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AII vs JPM

AII
American Integrity Insurance Group, Inc.
BULLISH
Price
$19.08
Market Cap
$373.6M
Sector
Financial Services
AI Confidence
87%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
AII
3.41
JPM
14.69
Forward P/E
AII
6.31
JPM
12.62
P/B Ratio
AII
1.11
JPM
2.32
P/S Ratio
AII
1.35
JPM
4.72
EV/EBITDA
AII
1.3
JPM
--

Profitability

Gross Margin
AII
56.79%
JPM
0.0%
Operating Margin
AII
43.01%
JPM
41.06%
Profit Margin
AII
36.03%
JPM
33.91%
ROE
AII
39.9%
JPM
16.13%
ROA
AII
5.93%
JPM
1.35%

Growth

Revenue Growth
AII
1.4%
JPM
2.5%
Earnings Growth
AII
70.1%
JPM
-3.6%

Financial Health

Debt/Equity
AII
0.0
JPM
--
Current Ratio
AII
1.48
JPM
--
Quick Ratio
AII
0.46
JPM
--

Dividends

Dividend Yield
AII
--
JPM
2.11%
Payout Ratio
AII
0.0%
JPM
28.97%

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
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

AII vs JPM: Head-to-Head Comparison

This page compares American Integrity Insurance Group, Inc. (AII) and JPMorgan Chase & Co. (JPM) 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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