American Integrity Insurance screens as a high-quality, fast-growing compounder with a strong earnings-beat streak and an attractive multiple, but the shares have already reached the analyst price target and short-term technicals show overbought, late-cycle conditions. The setup argues for waiting for a better entry rather than chasing strength.
Thesis pillars
- High Quality Compounder Fundamentals→Stable
- Cheap Multiple Versus Target Reached→Stable
- Four Quarter Earnings Beat Streak→Stable
- +2 more pillars — see the Why tab for full reasoning
American Integrity Insurance Gr (AII) Stock Analysis
Temporary headwind edge
Financial Services · Insurance - Property & Casualty
Wait for pullback to $21.35. Weak momentum; also insider activity concern — blocks BUY_NOW at $26.00. Engine's entry $21.35 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.7% 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
Wait for pullback to $21.35. Weak momentum; also insider activity concern — blocks BUY_NOW at $26.00. Engine's entry $21.35 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Fundamentals strong but target reached (-11.7% upside). Wait for pullback. Score 6.6/10, high confidence.
Passes 5/8 gates (no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and 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 2026-09-06Recent 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, Inc. (NYSE:AII) Given Average Rating of "Moderate Buy" by Analysts - MarketBeat — MarketBeat positive
- NEWS American Integrity Insurance Group (NYSE:AII) CEO Sells $120,176.00 in Stock - MarketBeat — MarketBeat negative
Generated 2026-09-06T16:46:57Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
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Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $21.35. Weak momentum; also insider activity concern — blocks BUY_NOW at $26.00. Engine's entry $21.35 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Fundamentals strong but target reached (-11.7% upside). Wait for pullback. Target $26.46 (+1.8%), stop $19.68 (−32.1%), A.R:R -0.8:1. Score 6.6/10, high confidence.
Take-profit target: $26.46 (-11.7% upside). Target $26.46 (+1.8%), stop $19.68 (−32.1%), A.R:R -0.8:1. Stop-loss: $19.68.
Analyst target reached - limited upside remaining; Near 52-week high (3.7% away); Negative momentum.
American Integrity Insurance Gr trades at a P/E of 6.1 (forward 8.0). TrendMatrix value score: 7.7/10. Verdict: Buy (Wait for Entry).
10 analysts cover AII with a consensus score of 4.0/5. Average price target: $27.
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.