
AII Stock Forecast & Price Target
AII Analyst Ratings
Bulls say
American Integrity Insurance Group is adjusting its earnings per share (EPS) estimates upward for the years 2025 to 2027, reflecting anticipated improvements in net investment income and stable underwriting margins. Management forecasts a manageable increase in core loss ratios, indicating a level of confidence in operational stability despite current fluctuations. The company's strategic positioning within organic growth opportunities, particularly in under-penetrated markets and through policy takeouts from state-backed entities, supports a robust outlook for future performance.
Bears say
American Integrity Insurance Group Inc faces significant risk due to its concentrated exposure in Florida, where 99% of its direct premium written (DPW) is located, making it vulnerable to regional economic fluctuations and natural disasters. The company's reliance on quota share reinsurance and the corresponding net retention levels raise concerns about the sustainability of its earnings, particularly with noted losses in core components despite a stable loss ratio assumption. Furthermore, external risk factors, such as adverse economic conditions and loss cost inflation, could adversely impact the company’s overall financial health and operational stability.
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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