
AII Stock Forecast & Price Target
AII Analyst Ratings
Bulls say
American Integrity Insurance Group Inc is projected to achieve increased earnings per share (EPS) estimates of $5.75, $2.96, and $3.15 for 2025, 2026, and 2027, respectively, driven by higher net investment income and solid underwriting margins. The company is positioned to benefit from organic growth opportunities in Florida and a favorable reinsurance structure, which enhances net premium growth by allowing more losses to be ceded during catastrophic events. Additionally, the anticipated stability in core loss ratios, alongside a shift in market dynamics due to policy takeouts from state-backed Citizens, further supports a positive outlook for American Integrity's financial performance.
Bears say
American Integrity Insurance Group Inc. faces significant challenges due to its overwhelming exposure to the Florida market, where 99% of its direct premiums written (DPW) are concentrated. Additionally, the company's net retention figures indicate increased risk during adverse events, with a notable decrease in coverage thresholds after the first or second events, potentially amplifying losses in catastrophic scenarios. The overall risk environment, including economic conditions and loss cost inflation, could negatively impact the company's financial stability and profitability moving forward.
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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