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AII
American Integrity Insurance Group, Inc.Snapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.955
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 4.1
◇
VC2 Cheapest
VC2 3.00000000
📐
EBITDA/EV
62.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
F9
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +27%
🔄
Shareholder Yield
15.3%
💰
High Yield
Div 15.3%
🚀
Momentum Leaders
12-1 22%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 97th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
97.0%ile
P/E
4.1×
P/S
1.1×
P/B
1.0×
E/P
0.2447
FCF Yield
0.512
EBITDA/EV
0.629
SH Yield
0.153
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
3.00000000
/100 — 1=cheapest
VC2 (Trending Value)
3.00000000
/100
VC3 (Buyback)
3.00000000
/100
P/E of 4.1x places this firmly in deep value territory. FCF yield of 51.2% is strong — the business generates significant free cash relative to price. VC2 score of 3.00000000/100 puts this in the cheapest decile of the universe — prime Trending Value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
94.0%ile
ROE
0.243
ROA
0.069
Net Margin
0.276
Op Margin
0.336
GPA
0.161
D/E
2.50
Current
45.55
F-Score
9/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.274
Earn Growth
0.239
Stability
0.586
lower=better
Accruals
0.004
lower=better
5yr Consist
No
ROE of 24% is exceptional. Highly leveraged with D/E of 2.50 — returns are being amplified by debt. F-Score of 9/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
31.0%ile
6M Return
-9.5%
12M Return
5.4%
12-1 Mom
22.3%
Risk-Adj
0.57
Vol 252d
39.4%
Vol 60d
90.4%
↑ Expanding
Max DD 12M
-31.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 22% is very strong — a clear uptrend. Near-term vol (90%) is expanding vs long-term (39%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
97.4%
Sector Quality %ile
96.0%
P/E z-score
-0.48
P/B z-score
-0.07
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (97th) and quality (94th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Piotroski + Value Convergence
F-Score 9/9 with good value (97th). Strong fundamental improvement in a cheap stock.
Growth at Reasonable Price
Revenue growing 27% with P/E of 4×. Growth isn't fully priced in.
Strong Capital Return
Shareholder yield 15.3% backed by 51.2% FCF yield. Returns are well-funded.
Leveraged Returns
Strong ROE (24%) boosted by high leverage (D/E 2.5). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (90%) significantly exceeds 252-day (39%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
98.3% avg (7 factors)
Quality
B
66.5% avg (8 factors)
Momentum
D
41.8% avg (4 factors)
Risk
C
50.9% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.930 | —1 | — | |
| Value %ile | 0.970 | —1 | — | |
| Quality %ile | 0.940 | —1 | — | |
| Momentum %ile | 0.310 | —0 | — | |
| F-Score | 9.000 | —1 | — | |
| Confidence | 1.000 | —1 | — | |
| Volatility | 0.394 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
4.09
Earnings Yield (E/P)
0.2447
Price / Sales
1.13
Price / Book
0.99
Price / Cash Flow
4.33
FCF Yield
51.2%
EBITDA / EV
62.9%
Sales Yield (1/P·S)
1.8222
Shareholder Yield
Div + net buyback / mktcap
15.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
24.3%
Return on Assets
6.9%
Net Margin
27.6%
Operating Margin
33.6%
Gross Profit / Assets
Novy-Marx GPA
16.1%
Debt / Equity
2.50
Current Ratio
45.55
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.004
MomentumPrice trend strength over different horizons
6M Return
-9.5%
12M Return
5.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
22.3%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.57
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
27.4%
Earnings Growth (YoY)
23.9%
Earnings Stability (CV)
Lower = more stable
0.586
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
9
Dividend Yield
15.3%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
3
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
3
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
3
Trending Value Rank
1=best. Top VC2 decile by 6M momentum
68
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity