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/AII
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AII

AII

AII
$18.66USD↓-0.32%-0.06 today

MARKET CAP

365.6M

P/E (TTM)

—

FWD P/E

—

DAY RANGE

$19 – $19

52W RANGE

$16
$26

AI Summary

Stalk
StalkMedium

The stock is in an early Stage 1 consolidation with repairing EMAs and a Bullish Pivot Point pattern signalling initial structural recovery; medium-term directional bias is bullish but recent extension above EMAs advises patience, preferring to wait for pullbacks toward the 9/21 EMA support before entry.

  • ↑Gross premiums written rose 29.5% YoY to $287m in Q2 2025.
  • ↑Adjusted net income reached $103m ($5.97/share), up from $37.9m ($2.94).
  • ↓Weak balance sheet quality suggests vulnerability under rising claims pressure.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

American Integrity Insurance Group (NYSE: AII) is a rapidly growing property and casualty insurance company primarily focused on homeowners' insurance in Florida. The firm specializes in innovative insurance products tailored to the unique risks associated with Florida's coastal properties. With a commitment to disciplined underwriting and solid agent relationships, American Integrity is positioned to capture market share in an evolving regulatory environment while also expanding into high-potential underserved markets.

Bull says

  • ↑Gross premiums written rose 29.5% YoY to $287m in Q2 2025.
  • ↑Adjusted net income reached $103m ($5.97/share), up from $37.9m ($2.94).
  • ↑Expanding in Miami-Dade and Broward, covering 28% of Florida households.
  • ↑Loss ratio improved to 30.9% in Q1 2025 from 49.9% prior year.
  • ↑Florida legislative reforms stabilize market, enabling profitable new segment entries.
  • ↑High earnings yield with undervalued book-to-price and dividend yield.

Bear says

  • ↓Weak balance sheet quality suggests vulnerability under rising claims pressure.
  • ↓Intense Florida competition risks aggressive pricing and margin compression.
  • ↓Sustaining premium growth and underwriting profitability amid expansion is uncertain.
  • ↓Dependence on favorable reinsurance cycles risks earnings if conditions reverse.
  • ↓Potential legislative rollbacks could undermine recent market reforms and expansion.
  • ↓Low institutional ownership and short interest reflect investor skepticism.

Earnings Call · Q4 2025 · Mgmt. Guidance

Updated 04-08-2026bullish

Transcript signals

Bull points

  • In the fourth quarter, we wrote 26,025 new policies in the voluntary market, bringing our full year total to over 104,000, representing a 17% increase over the full year 2024.
  • We believe our growth in the Tri-County region will continue through 2026 and represent the multi-year opportunity.
  • we have completed our extensive underwriting efforts to refine and price our go-to-market and are pleased with the early acceleration we are seeing in our production numbers.
Read full transcript analysis ›