American Coastal Insurance Corporation (ACIC) vs American Integrity Insurance Group, Inc. (AII)

American Coastal Insurance Corporation and American Integrity Insurance Group, Inc. are both Insurance Property & Casualty companies. American Coastal Insurance Corporation and American Integrity Insurance Group, Inc. are of similar size ($542.8M and $530.7M). American Coastal Insurance Corporation trades at the lower P/E: 5.3× against 6.1×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 3.29%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 26.9%) and the lower return on invested capital (47.2% vs 292.0%). Across the 17 metrics below, American Integrity Insurance Group, Inc. leads on 10 and American Coastal Insurance Corporation on 7.

Valuation

Metric ACIC AII Insurance Property & Casualty median
P/E 5.34 6.11 10.75
P/S 1.61 1.60 1.21
P/B 1.57 1.46 1.99
Price to free cash flow n/m 3.29 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% 16.37% 9.08%
Free cash flow yield (5.81%) 30.39% 12.11%

Profitability

Metric ACIC AII Insurance Property & Casualty median
Gross margin 56.62% 50.53% 41.16%
Operating margin 43.27% 36.21% 15.09%
Net margin 30.31% 26.85% 11.51%
Free cash flow margin (9.39%) 48.67% 17.46%
Return on equity 31.65% 26.89% 17.34%
Return on assets 7.74% 5.64% 3.74%
Return on invested capital 47.19% 291.96% 12.06%

Growth

Metric ACIC AII Insurance Property & Casualty median
Revenue growth (TTM) 3.29% 29.28% 8.02%
EPS growth (last fiscal year) 39.61% 83.45% 39.61%
Revenue growth, 5-year CAGR (16.90%) — 9.23%
Net income growth, 5-year CAGR 0.00% — 10.09%

Health

Metric ACIC AII Insurance Property & Casualty median
Debt to equity 0.45 0.00 0.25
Current ratio 0.88 1.00 0.42
Net debt to EBITDA (0.91) (2.08) 0.08

Dividend

Metric ACIC AII Insurance Property & Casualty median
Dividend yield — 3.71% 1.50%
Payout ratio — 0.23 0.14

Size

Metric ACIC AII Insurance Property & Casualty median
Market cap 530.69m 542.79m 2.67b

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