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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of Mar. 2026, American Integrity Insurance Group has a Sloan Ratio of 12.89%, indicating there is a warning stage of accrual build up.
American Integrity Insurance Group (FRA:8DI) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, American Integrity Insurance Group has a Sloan Ratio of 12.89%, indicating there is a warning stage of accrual build up.
American Integrity Insurance Group Sloan Ratio % Related Terms
American Integrity Insurance Group Sloan Ratio % 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.
American Integrity Insurance Group Sloan Ratio % Chart
FRA:8DI vs GBLI, NODK, KINS: Sloan Ratio % Comparison
For the Insurance - Property & Casualty subindustry, American Integrity Insurance Group's Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % 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 Sloan Ratio % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Integrity Insurance Group's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where American Integrity Insurance Group's Sloan Ratio % falls into.
American Integrity Insurance Group Sloan Ratio % Calculation
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
American Integrity Insurance Group's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 23.837 (Jun. 2025 ) + 11.215 (Sep. 2025 ) + 17.821 (Dec. 2025 ) + 17.222 (Mar. 2026 ) = €70.1 Mil.
American Integrity Insurance Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 23.752 (Jun. 2025 ) + -6.371 (Sep. 2025 ) + 42.861 (Dec. 2025 ) + 5.875 (Mar. 2026 ) = €66.1 Mil.
American Integrity Insurance Group's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -59.14 (Jun. 2025 ) + -72.351 (Sep. 2025 ) + 8.291 (Dec. 2025 ) + -3.88 (Mar. 2026 ) = €-127.1 Mil.
* 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.
American Integrity Insurance Group (FRA:8DI) has a Sloan Ratio % of 12.89% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on American Integrity Insurance Group and its competitors.
Is American Integrity Insurance Group's Sloan Ratio % too high?
American Integrity Insurance Group's current Sloan Ratio % is 12.89%. 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 Sloan Ratio % compare to GBLI and NODK?
American Integrity Insurance Group's Sloan Ratio % of 12.89% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for an Insurance company?
A good Sloan Ratio % depends on the Insurance industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on American Integrity Insurance Group and its competitors. American Integrity Insurance Group's current Sloan Ratio % is 12.89%. 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 Sloan Ratio % of 12.89%. The current Sloan Ratio % is 12.89%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For American Integrity Insurance Group (FRA:8DI), the current Sloan Ratio % is 12.89% 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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