American Integrity Insurance Group (FRA:8DI) Moat Score: 5/10 (As of Jul. 21, 2026)

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FRA:8DI American Integrity Insurance Group Inc FRA:8DI
13 GF Score
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What is American Integrity Insurance Group Moat Score?

American Integrity Insurance Group FRA:8DI 13 Moat Score is 5 as of Jul. 21, 2026. GuruFocus rates FRA:8DI with a GF Score™ of 13/100. The stock has 1 warning sign investors should review. Among 595 Insurance companies, American Integrity Insurance Group ranks better than 88.74% on this metric.

American Integrity Insurance Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

American Integrity Insurance Group has Narrow Moat: American Integrity Insurance Group Inc has a solid narrow moat due to its brand strength and customer loyalty in the insurance sector. It benefits from economies of scale but lacks significant regulatory barriers or exclusive licenses.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes American Integrity Insurance Group might have Narrow Moat - Solid narrow moat.

American Integrity Insurance Group  (FRA:8DI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

American Integrity Insurance Group Moat Score Related Terms

FRA:8DI vs GBLI, NODK, KINS: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, American Integrity Insurance Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

American Integrity Insurance Group Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, American Integrity Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where American Integrity Insurance Group's Moat Score falls into.


FRA:8DI
13GF Score
American Integrity Insurance Group Inc FRA:8DI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
American Integrity Insurance Group (FRA:8DI) has a Moat Score of 5 as of Jul. 21, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, American Integrity Insurance Group ranks #67 out of 595 companies in the Insurance industry, placing it in the top 11.3%.
Is American Integrity Insurance Group's Moat Score too high?
American Integrity Insurance Group's current Moat Score is 5. Based on the distribution chart, American Integrity Insurance Group ranks #67 out of 595 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, American Integrity Insurance Group has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does American Integrity Insurance Group's Moat Score compare to GBLI and NODK?
According to the Insurance industry distribution chart, American Integrity Insurance Group ranks #67 out of 595 companies for Moat Score. This places American Integrity Insurance Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. American Integrity Insurance Group's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Integrity Insurance Group stock overvalued right now?
American Integrity Insurance Group (FRA:8DI) has a current Moat Score of 5. The current Moat Score is 5. American Integrity Insurance Group's overall GF Score™ is 13/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For American Integrity Insurance Group (FRA:8DI), the current Moat Score is 5 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

American Integrity Insurance Group Business Description

Other Exchanges AII:USA
Address 5426 Bay Center Drive, Suite 600, Tampa, FL, USA, 33609
American Integrity Insurance Group Inc is engaged in the property and casualty insurance business. It provides personal residential property insurance for single-family homeowners and condominium owners as well as coverage for vacant dwellings and investment properties, predominantly in Florida. The Company's property and casualty insurance is currently offered in Florida, North Carolina, South Carolina, and Georgia.
13GF Score

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