American Coastal Insurance Corporation (ACIC) vs Donegal Group, Inc. (DGICA)

American Coastal Insurance Corporation and Donegal Group, Inc. are both Insurance Property & Casualty companies. Donegal Group, Inc. is the larger, with a market value of $732.0M against $485.4M — 1.5× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.7× against 9.7×. Donegal Group, Inc. grew revenue faster over the last twelve months: −3.40% against −5.31%. American Coastal Insurance Corporation has the higher net margin (28.0% vs 7.25%) and the higher return on invested capital (64.1% vs 8.10%). Across the 19 metrics below, American Coastal Insurance Corporation leads on 10 and Donegal Group, Inc. on 9.

Valuation

Metric ACIC DGICA Insurance Property & Casualty median
P/E 5.65 9.65 12.17
P/S 1.56 0.73 1.26
P/B 1.37 1.06 1.85
Price to free cash flow n/m 13.76 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.70% 10.36% 8.20%
Free cash flow yield (6.39%) 7.27% 11.86%

Profitability

Metric ACIC DGICA Insurance Property & Casualty median
Gross margin 54.47% 0.00% 37.39%
Operating margin 40.85% 9.01% 14.67%
Net margin 28.02% 7.25% 10.16%
Free cash flow margin 0.00% 5.34% 18.60%
Return on equity 25.51% 10.73% 16.59%
Return on assets 7.59% 2.83% 3.38%
Return on invested capital 64.11% 8.10% 9.43%

Growth

Metric ACIC DGICA Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) (3.40%) 5.70%
EPS growth (last fiscal year) 39.61% 42.48% 39.61%
Revenue growth, 5-year CAGR (16.90%) 4.69% 9.23%
Net income growth, 5-year CAGR 0.00% 8.48% 10.09%

Health

Metric ACIC DGICA Insurance Property & Casualty median
Debt to equity 0.42 0.05 0.25
Current ratio 0.91 0.37 0.49
Net debt to EBITDA (0.91) 0.08 0.08

Dividend

Metric ACIC DGICA Insurance Property & Casualty median
Dividend yield — 4.02% 1.56%
Payout ratio — 0.39 0.15

Size

Metric ACIC DGICA Insurance Property & Casualty median
Market cap 485.43m 731.97m 2.64b

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