American Integrity is a high-return property insurer with a 4-for-4 earnings beat streak and 55% YoY growth, but the stock trades above the analyst target and insiders are selling heavily.
Thesis pillars
- Earnings Beat Streak→Stable
- High Return Quality Franchise→Stable
- Rapid Revenue Growth→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Nov 1, 2026, based on the 10-K filed Feb 27, 2026
American Integrity Insurance Gr (AII) Stock Analysis
Inst Constrain edge
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $29.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.9% away).
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
Hold if already holding. Not a fresh buy at $29.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.9% away). Chart setup: No clear chart pattern; technical signals are mixed. Downgraded from BUY WAIT — price $29.13 vs the analyst target $24.01: -17.6% upside; No upside left. Score 6.8/10, high confidence.
Passes 5/9 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 and earnings proximity 5d<=7d. 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
No fresh coverage since Oct 21, 2026
Recent Developments — American Integrity Insurance Gr
Latest news
- NEWS American Integrity Insurance Group (NYSE:AII) Sets New 12-Month High - Still a Buy? - MarketBeat — MarketBeat Oct 21, 2026 positive
- NEWS American Integrity CEO Robert Ritchie sells $3.37 million in stock - Investing.com — Investing.com Oct 14, 2026 neutral
- NEWS Form 4 American Integrity Insurance Group Inc: Robert C. Ritchie (Director, CEO) For: 9 October - Investing.com Nigeria — Investing.com Nigeria Oct 14, 2026 neutral
- NEWS Form 4 American Integrity Insurance Group Inc: Robert C. Ritchie (Director, CEO) For: 9 October - Investing.com Canada — Investing.com Canada Oct 14, 2026 neutral
- NEWS Form 4 American Integrity Insurance Group Inc: Robert C. Ritchie (Director, CEO) For: 9 October - Investing.com India — Investing.com India Oct 14, 2026 neutral
Latest item Oct 21, 2026 · Generated 2026-11-05T11:28:59Z.
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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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Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $29.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.9% away). Chart setup: No clear chart pattern; technical signals are mixed. Downgraded from BUY WAIT — price $29.13 vs the analyst target $24.01: -17.6% upside; No upside left. Analyst target $24.01 reached (−17.6%), stop $26.52 (−9.8%), A.R:R -1.7:1. Score 6.8/10, high confidence.
Analyst target $24.01 reached (−17.6% from $29.13); no take-profit level is published. Analyst target $24.01 reached (−17.6%), stop $26.52 (−9.8%), A.R:R -1.7:1. Stop-loss: $26.52.
Analyst target reached - limited upside remaining; Near 52-week high (2.9% away); Earnings in 5 days (event risk).
American Integrity Insurance Gr trades at a P/E of 6.6 (forward 8.9). TrendMatrix value score: 7.6/10. Verdict: Hold.
10 analysts rate AII, with a consensus score of 4.0/5. 4 analysts publish price targets averaging $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.