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 ($530.6M and $485.4M). American Coastal Insurance Corporation trades at the lower P/E: 5.5× against 6.0×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against −5.31%. American Coastal Insurance Corporation has the higher net margin (28.0% vs 26.2%) and the lower return on invested capital (64.1% vs 292.0%). Across the 17 metrics below, American Integrity Insurance Group, Inc. leads on 9 and American Coastal Insurance Corporation on 8.

Valuation

Metric ACIC AII Insurance Property & Casualty median
P/E 5.52 6.00 11.90
P/S 1.53 1.57 1.24
P/B 1.33 1.43 1.86
Price to free cash flow n/m 3.23 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.10% 16.66% 8.14%
Free cash flow yield (6.54%) 30.93% 11.91%

Profitability

Metric ACIC AII Insurance Property & Casualty median
Gross margin 54.47% 50.53% 39.44%
Operating margin 40.85% 36.21% 14.71%
Net margin 28.02% 26.20% 10.47%
Free cash flow margin 0.00% 48.67% 18.60%
Return on equity 25.51% 26.24% 16.87%
Return on assets 7.59% 5.50% 3.49%
Return on invested capital 64.11% 291.96% 11.84%

Growth

Metric ACIC AII Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) 29.28% 5.51%
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 0.42 0.00 0.25
Current ratio 0.91 1.00 0.49
Net debt to EBITDA (0.91) (2.08) 0.08

Dividend

Metric ACIC AII Insurance Property & Casualty median
Dividend yield — 3.78% 1.59%
Payout ratio — 0.23 0.15

Size

Metric ACIC AII Insurance Property & Casualty median
Market cap 485.43m 530.64m 2.62b

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