
AII Stock Forecast & Price Target
AII Analyst Ratings
Bulls say
American Integrity Insurance Group Inc. demonstrates a positive financial outlook, as reflected in the upward revisions of its earnings per share estimates for 2025, 2026, and 2027, indicating strong growth driven by improved net investment income and resilient underwriting margins. The company's strategic positioning within the under-penetrated markets of middle-aged homes and the Tri-County region in Florida supports its organic growth potential, particularly with additional policy takeouts from state-backed Citizens providing upside opportunities. Furthermore, the management anticipates stable core loss ratios and a favorable trend in net premium growth exceeding gross premium growth, positioning the firm well in the evolving property and casualty insurance landscape.
Bears say
American Integrity Insurance Group Inc. faces significant risks due to its heavy reliance on the Florida market, with 99% of its direct premium written concentrated in the state, which heightens vulnerability to regional economic fluctuations and environmental factors. The company's reported core net loss ratio is affected by the quota share reinsurance structure, indicating potential challenges in managing underwriting profitability amidst adverse economic conditions and intensifying loss cost inflation. Additionally, fluctuations in loss experience could impact the availability and cost of reinsurance, further complicating the company’s financial stability and outlook.
This aggregate rating is based on analysts' research of American Integrity Insurance Group Inc and is not a guaranteed prediction by Public.com or investment advice.
AII Analyst Forecast & Price Prediction
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