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AII vs BRK-B

AII
American Integrity Insurance Group, Inc.
BULLISH
Price
$19.08
Market Cap
$373.6M
Sector
Financial Services
AI Confidence
87%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AII
3.41
BRK-B
15.46
Forward P/E
AII
6.31
BRK-B
22.06
P/B Ratio
AII
1.11
BRK-B
0.0
P/S Ratio
AII
1.35
BRK-B
2.79
EV/EBITDA
AII
1.3
BRK-B
-2.12

Profitability

Gross Margin
AII
56.79%
BRK-B
26.15%
Operating Margin
AII
43.01%
BRK-B
32.96%
Profit Margin
AII
36.03%
BRK-B
18.03%
ROE
AII
39.9%
BRK-B
9.81%
ROA
AII
5.93%
BRK-B
5.11%

Growth

Revenue Growth
AII
1.4%
BRK-B
-0.7%
Earnings Growth
AII
70.1%
BRK-B
-2.5%

Financial Health

Debt/Equity
AII
0.0
BRK-B
0.19
Current Ratio
AII
1.48
BRK-B
7.07
Quick Ratio
AII
0.46
BRK-B
6.62

Dividends

Dividend Yield
AII
--
BRK-B
--
Payout Ratio
AII
0.0%
BRK-B
0.0%

AI Verdict

AII BULLISH

AII exhibits strong profitability and growth fundamentals, supported by a high Piotroski F-Score of 4 (stable), though the absence of an Altman Z-Score raises caution regarding long-term financial distress risk. The stock trades at a deeply discounted valuation relative to its intrinsic value, with a current price of $19.08 versus a Graham Number of $46.53 and an intrinsic value estimate of $164.91, suggesting significant undervaluation. Exceptional earnings growth (70.1% YoY, 148.5% Q/Q) and consistent earnings beats (70.58% average surprise) reinforce confidence in future performance. However, bearish insider activity and a lack of dividend yield introduce some caution despite strong technical momentum and analyst buy sentiment.

Strengths
Exceptional profitability with 36.03% profit margin and 39.90% ROE, indicating efficient capital deployment
Strong earnings growth (70.1% YoY, 148.5% Q/Q) and consistent earnings beats (70.58% average surprise)
Extremely low valuation: current price ($19.08) is a fraction of both Graham Number ($46.53) and intrinsic value ($164.91)
Risks
No Altman Z-Score available, creating uncertainty about bankruptcy risk despite low leverage
Bearish insider sentiment: 5 sell transactions totaling $63.74M in value over 6 months, including large sales by CEOs and major shareholders
No dividend yield or payout history, limiting appeal to income-focused investors
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

AII vs BRK-B: Head-to-Head Comparison

This page compares American Integrity Insurance Group, Inc. (AII) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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