
AII Stock Forecast & Price Target
AII Analyst Ratings
Bulls say
American Integrity Insurance Group Inc is demonstrating a strong financial outlook with increased expected earnings per share (EPS) estimates for 2025, 2026, and 2027, reflecting improved net investment income and stable underwriting margins. The company is particularly well-positioned for organic growth in Florida, aided by an under-penetration in the middle-aged home market and potential policy takeouts from state-backed Citizens. Additionally, the firm experienced a reduction in catastrophe losses, supported by a favorable quota share reinsurance structure that allows for enhanced net premium growth, contributing to its positive growth trajectory.
Bears say
American Integrity Insurance Group Inc. faces considerable risks due to its heavy concentration in Florida, where 99% of its direct premiums written (DPW) are sourced, making it highly vulnerable to localized economic and environmental fluctuations. The company's financial metrics indicate a complicated reinsurance structure, with net retention levels of $35 million for primary events dropping significantly for subsequent events, thereby exposing the company to greater financial loss during adverse scenarios. Furthermore, prevailing economic conditions, rising global interest rates, and escalating loss cost inflation add to the uncertainty of its future performance, raising concerns about the company's ability to maintain profitability amidst these challenges.
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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