AII is a high-quality, fast-growing property insurer (26% ROE, 55% YoY growth, 4/4 earnings beats) but the stock now sits above the analyst target (-11.9% upside), near its 52-week high, with heavy insider selling, so the setup favors waiting for a pullback.
Thesis pillars
- High Quality Compounder→Stable
- Strong Revenue Growth→Stable
- Perfect Earnings Beat Streak→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 4, 2026, based on the 10-K filed Feb 27, 2026
American Integrity Insurance Gr (AII) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Insurance - Property & Casualty
Wait for pullback to $25.08. Price sits above the model's entry target of $25.08; the risk/reward becomes favorable on a pullback. Key risk: Analyst target reached - limited upside remaining.
American Integrity Insurance Group underwrites personal residential property insurance for homeowners and condominium owners in Florida through its subsidiary American Integrity Insurance Company, with Florida representing 96.5% of in-force premium and 93.7% of policies in-force... Read more
Wait for pullback to $25.08. Price sits above the model's entry target of $25.08; the risk/reward becomes favorable on a pullback. Key risk: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Fundamentals strong but target reached (-14.2% upside). Wait for pullback. Score 6.7/10, high confidence.
Passes 5/8 gates (positive momentum, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and clean insider activity. Suitability: speculative.
About American Integrity Insurance Gr
About American Integrity Insurance Gr
American Integrity Insurance Group wrote $944.6 million in gross premiums across 421,866 Florida residential property policies in 2025, with Florida accounting for 96.5% of in-force premium and 93.7% of policies in-force. Its admitted-carrier book split 77.5% Voluntary Market originations and 22.5% policies assumed from state-run Citizens Property Insurance Corporation, regulated primarily by Florida's FLOIR as it recently began extending underwriting into Georgia, South Carolina, and North Carolina.
American Integrity earns revenue from residential property insurance premiums, retaining $270.9 million of net premiums written against $944.6 million in gross premiums for 2025 — a gap that reflects the substantial reinsurance the company cedes through excess-of-loss, quota-share, per-risk, and facultative treaties placed with third-party reinsurers rated A- or better by A.M. Best. Independent insurance agents are the company's largest distribution channel by premium volume, supplemented by referral partnerships with national carriers including Allstate, American Family, Farmers, Liberty Mutual, The Hartford, Progressive, and USAA that restrict their own Florida homeowners writings, plus homebuilder-affiliated agents serving Florida's new-construction market. The company invests its float in short-duration, investment-grade fixed income securities managed by Goldman Sachs Asset Management, and it opportunistically assumes policies from Citizens when they meet its underwriting and profitability criteria.
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Beyond its statewide Florida concentration, American Integrity's book is further layered across counties — Polk, Lee, and Orange each represent about 7% of Florida policies-in-force — but the 10-K warns that a catastrophic event concentrated in counties where the company writes a large volume of policies could significantly affect results. The company has cut concentrated exposure before: after identifying a 2018 'roof crisis' of fraudulent roofing damage claims in Central Florida, it shrank policies-in-force there from about 60,000 at year-end 2019 to about 35,000 by year-end 2022, illustrating both its exposure to localized claims trends and its willingness to non-renew policies to limit losses.
See also: Financial Services · Insurance - Property & Casualty
From American Integrity Insurance Gr's most recent 10-K filing, extracted August 23, 2026.
Recent developments
updated 2026-10-29Recent Developments — American Integrity Insurance Gr
Latest news
- NEWS American Integrity Insurance Group (NYSE:AII) CEO Sells 65,000 Shares of Stock - MarketBeat — MarketBeat negative
- NEWS American Integrity Insurance Group (NYSE:AII) CEO Sells 45,461 Shares - MarketBeat — MarketBeat negative
- NEWS American Integrity Insurance Group (NYSE:AII) CEO Sells 45,461 Shares - marketbeat.com — marketbeat.com negative
- NEWS American Integrity Insurance Group (NYSE:AII) Sets New 12-Month High - Still a Buy? - MarketBeat — MarketBeat positive
- NEWS American Integrity CEO Robert Ritchie sells $3.37 million in stock - Investing.com — Investing.com neutral
Generated 2026-10-29T11:48:39Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
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Price Targets
Position Sizing
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Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $25.08. Price sits above the model's entry target of $25.08; the risk/reward becomes favorable on a pullback. Key risk: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Fundamentals strong but target reached (-14.2% upside). Wait for pullback. Analyst target $24.01 reached (−14.2%), stop $23.92 (−17.1%), A.R:R -1.2:1. Score 6.7/10, high confidence.
Analyst target $24.01 reached (−14.2% from $28.00); no take-profit level is published. Analyst target $24.01 reached (−14.2%), stop $23.92 (−17.1%), A.R:R -1.2:1. Stop-loss: $23.92.
Analyst target reached - limited upside remaining.
American Integrity Insurance Gr trades at a P/E of 6.2 (forward 8.5). TrendMatrix value score: 7.6/10. Verdict: Buy (Wait for Entry).
10 analysts cover AII with a consensus score of 4.0/5. Average price target: $28.
What does American Integrity Insurance Gr do?American Integrity Insurance Group underwrites personal residential property insurance for homeowners and condominium...
American Integrity Insurance Group underwrites personal residential property insurance for homeowners and condominium owners in Florida through its subsidiary American Integrity Insurance Company, with Florida representing 96.5% of in-force premium and 93.7% of policies in-force as of December 31, 2025. The company wrote $944.6 million in gross premiums across 421,866 policies for the year, generating net premiums written of $270.9 million and net income of $99.6 million, and has begun expanding into South Carolina, Georgia, and North Carolina.