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American Integrity Insurance Group, Inc. (AII)
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Upturn Advisory Summary
10/15/2025: AII (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 29.64% | Avg. Invested days 76 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 349.56M USD | Price to earnings Ratio 9.2 | 1Y Target Price - |
Price to earnings Ratio 9.2 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 15.78 - 19.45 | Updated Date 06/29/2025 |
52 Weeks Range 15.78 - 19.45 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date 2025-06-10 | When - | Estimate - | Actual 309.9756 |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
American Integrity Insurance Group, Inc.
Company Overview
History and Background
American Integrity Insurance Group, Inc. was founded in 2006. The company was built for Florida homeowners and offers various property insurance coverage.
Core Business Areas
- Homeowners Insurance: Provides coverage for damage to homes and personal property, as well as liability protection.
- Condominium Insurance: Offers coverage for condo owners, protecting their personal property and liability.
- Renters Insurance: Provides coverage for renters, protecting their personal property and liability.
Leadership and Structure
The leadership team consists of experienced insurance professionals. The organizational structure is typical of an insurance company, with departments for underwriting, claims, marketing, and finance.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Core product offering. While specific market share data for American Integrity alone is not easily accessible, it competes within the broader Florida homeowners insurance market. Competitors include State Farm, Citizens, and Universal Property & Casualty.
- Condominium Insurance: Offers coverage for condo owners, protecting their personal property and liability. Competitors include State Farm and Allstate.
Market Dynamics
Industry Overview
The property insurance industry in Florida is highly competitive and regulated, facing challenges such as frequent hurricanes and high claim costs.
Positioning
American Integrity focuses on providing coverage to Florida homeowners, a niche market with unique risks. Its competitive advantage lies in its local expertise and understanding of the Florida market.
Total Addressable Market (TAM)
The Florida homeowners insurance market is estimated to be worth billions of dollars annually. American Integrity is positioned to capture a significant share of this TAM through its focused offerings and market expertise.
Upturn SWOT Analysis
Strengths
- Strong understanding of the Florida insurance market
- Focus on homeowners insurance
- Good customer service
Weaknesses
- Geographic concentration in Florida
- Exposure to hurricane risk
- Limited product diversification
Opportunities
- Expansion into other coastal states
- Development of new insurance products
- Partnerships with real estate agents and mortgage lenders
Threats
- Increased competition from national insurers
- Rising reinsurance costs
- Climate change and increasing hurricane frequency
Competitors and Market Share
Key Competitors
- State Farm
- Citizens Property Insurance Corporation
- Universal Property & Casualty Insurance Company (UPC)
- Allstate
- Tower Hill Insurance
Competitive Landscape
American Integrity competes with larger national insurers and state-backed entities. Its advantages include local expertise and a focus on Florida homeowners, while its disadvantages include limited scale and geographic concentration.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is difficult to assess without access to private financial data.
Future Projections: Future projections are unavailable to the public due to the company's private status.
Recent Initiatives: Recent initiatives may include expanding product offerings and enhancing customer service, but details are not publicly available.
Summary
American Integrity Insurance Group is a privately held company focused on the Florida homeowners insurance market. It faces intense competition and exposure to hurricane risk. The company's strength lies in its local expertise, while its growth is constrained by its geographic concentration and vulnerability to catastrophic events. Continued success depends on managing risk effectively and expanding its product offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Market research
Disclaimers:
The information provided is based on publicly available sources and may not be entirely accurate or complete. Financial data is limited due to the company's private status. Market share figures are estimates.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About American Integrity Insurance Group, Inc.
Exchange NYSE | Headquaters Tampa, FL, United States | ||
IPO Launch date 2025-05-08 | Founder, CEO & Director Mr. Robert Craig Ritchie | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 294 | Website https://www.aii.com |
Full time employees 294 | Website https://www.aii.com | ||
American Integrity Insurance Group, Inc. operates as an insurance company. It provides personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties in Florida, Georgia, and South Carolina. It also offers condo, rental, vacant dwelling, seasonal property, umbrella, golf cart, boat, renters, manufactured home, cyber, and flood insurance. The company was founded in 2006 and is headquartered in Tampa, Florida.
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