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American Integrity Insurance GroupFRA:8DI 13 ROE % is 23.84% as of Mar. 2026, which is 15% below its 10-year median of 28.21. GuruFocus rates FRA:8DI with a GF Score™ of 13/100. The stock has 1 warning sign investors should review. Among 502 Insurance companies, American Integrity Insurance Group ranks better than 89.24% on this metric.
FRA:8DI'
s ROE % Range Over the Past 10 Years
Min: 26.82 Med: 28.21 Max: 39.9
Current: 27.58
During the past 3 years, American Integrity Insurance Group's highest ROE % was 39.90%. The lowest was 26.82%. And the median was 28.21%.
FRA:8DI's ROE % is ranked better than 89.24% of 502
companies
in the Insurance industry
Industry Median: 11.65
vs FRA:8DI: 27.58
American Integrity Insurance Group (FRA:8DI) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
American Integrity Insurance Group ROE % Related Terms
American Integrity Insurance Group ROE % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, American Integrity Insurance Group's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Integrity Insurance Group's ROE % distribution charts can be found below:
* The bar in red indicates where American Integrity Insurance Group's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
American Integrity Insurance Group (FRA:8DI) has a ROE % of 23.84% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on American Integrity Insurance Group and its competitors. This is 15% below median its historical median of 28.21. Over the past decade, American Integrity Insurance Group's ROE % has ranged from 26.82 to 39.90. According to the industry distribution chart, American Integrity Insurance Group ranks #54 out of 502 companies in the Insurance industry, placing it in the top 10.8%.
Is American Integrity Insurance Group's ROE % too high?
American Integrity Insurance Group's current ROE % of 23.84% is 15% below median its 10-year median of 28.21. Over the past 10 years, this metric has ranged from a low of 26.82 to a high of 39.90. The Insurance industry median ROE % is 11.65. American Integrity Insurance Group's value of 23.84% is 104.6% above this industry median. Based on the distribution chart, American Integrity Insurance Group ranks #54 out of 502 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 ROE % compare to GBLI and NODK?
According to the Insurance industry distribution chart, American Integrity Insurance Group ranks #54 out of 502 companies for ROE %. This places American Integrity Insurance Group in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 11.65. American Integrity Insurance Group's value of 23.84% is 104.6% above this benchmark. Historically, American Integrity Insurance Group's own ROE % has ranged from 26.82 to 39.90 over the past decade. While the company's 10-year median is 28.21 vs. the industry median of 11.65, American Integrity Insurance Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.65, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Integrity Insurance Group's current ROE % of 23.84% is 104.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on American Integrity Insurance Group and its competitors. For the Insurance industry, the median ROE % is 11.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Integrity Insurance Group's current ROE % is 23.84%, which is 15% below median its own 10-year median of 28.21. 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 ROE % of 23.84%. The current ROE % is 23.84%, which is 15% below median its 10-year median of 28.21 and 104.6% above the Insurance industry median of 11.65. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For American Integrity Insurance Group (FRA:8DI), the current ROE % is 23.84% as of Mar. 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
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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