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 Integrity Insurance Group, Inc. is the larger, with a market value of $496.3M against $445.9M — 1.1× the size. American Coastal Insurance Corporation trades at the lower P/E: 4.5× against 5.6×. 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 19 metrics below, American Integrity Insurance Group, Inc. leads on 10 and American Coastal Insurance Corporation on 9.

Valuation

Metric ACIC AII Insurance Property & Casualty median
P/E 4.52 5.60 10.29
P/S 1.37 1.47 1.17
P/B 1.33 1.34 1.83
Price to free cash flow n/m 3.02 7.48
EV/EBITDA 1.94 1.21 7.49
EV/Sales 0.87 0.45 1.13
Earnings yield 22.13% 17.86% 9.50%
Free cash flow yield (6.87%) 33.17% 13.29%

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% 17.59%
Return on equity 31.65% 26.89% 18.19%
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% 8.69%
EPS growth (last fiscal year) 39.61% 83.45% —
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 50.00% — 2.79%
Payout ratio — — 0.27

Size

Metric ACIC AII Insurance Property & Casualty median
Market cap 445.87m 496.30m 2.44b

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