American Integrity Insurance Group, Inc. (AII)vsW. R. Berkley Corp (WRB)
AII
American Integrity Insurance Group, Inc.
$19.08
-1.09%
FINANCIAL SERVICES · Cap: $367.69M
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 5220% more annual revenue ($14.71B vs $276.49M). AII leads profitability with a 36.0% profit margin vs 12.1%. AII trades at a lower P/E of 3.3x. AII earns a higher WallStSmart Score of 72/100 (B).
AII
Strong Buy72
out of 100
Grade: B
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+93.1%
Fair Value
$264.42
Current Price
$19.08
$245.34 discount
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 40 in profit
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Earnings expanding 70.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
1.4% revenue growth
Smaller company, higher risk/reward
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : AII
The strongest argument for AII centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 36.0% and operating margin at 43.0%.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : AII
The primary concerns for AII are Revenue Growth, Market Cap.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
WRB is growing revenue faster at 1.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AII scores higher overall (72/100 vs 55/100), backed by strong 36.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American Integrity Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Integrity Insurance Group, Inc. (AII) is a leading provider in the homeowners' and property insurance market, with a strong focus on Florida. The company excels in delivering innovative, customer-centric solutions that cater to the ever-changing demands of homeowners in a competitive insurance landscape. Leveraging advanced technology and data analytics, AII improves claims processing and underwriting precision, which enhances customer satisfaction and loyalty. As the demand for dependable insurance solutions grows, American Integrity's financial stability and strategic approach enable it to capture significant market opportunities, positioning the company for sustained growth and expanding market presence.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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