American Integrity Insurance Group, Inc. (AII)vsW. R. Berkley Corp (WRB)
AII
American Integrity Insurance Group, Inc.
$17.00
+3.91%
FINANCIAL SERVICES · Cap: $325.21M
WRB
W. R. Berkley Corp
$68.57
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 4925% more annual revenue ($14.85B vs $295.53M). AII leads profitability with a 27.6% profit margin vs 12.6%. AII trades at a lower P/E of 3.4x. AII earns a higher WallStSmart Score of 70/100 (B).
AII
Strong Buy70
out of 100
Grade: B
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.0%
Conservative balance sheet, low leverage
Every $100 of equity generates 24 in profit
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 63.4%
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AII
The strongest argument for AII centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 30.0%. Revenue growth of 26.5% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : AII
The primary concerns for AII are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AII profiles as a growth stock while WRB is a value play — different risk/reward profiles.
AII is growing revenue faster at 26.5% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AII scores higher overall (70/100 vs 65/100), backed by strong 27.6% margins and 26.5% revenue growth. 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) stands out as a premier provider in the homeowners' and property insurance sector, with a strategic emphasis on the Florida market. Renowned for its innovative and customer-centric approach, AII leverages advanced technology and data analytics to refine claims processing and underwriting, significantly boosting customer satisfaction. With a solid financial foundation and a nimble response to market dynamics, AII is poised to capitalize on the rising demand for reliable insurance solutions, ensuring a trajectory of sustained growth and an expanding footprint in the competitive insurance landscape.
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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