American Coastal Insurance Corporation (ACIC) vs Global Indemnity PLC (GBLI)

American Coastal Insurance Corporation and Global Indemnity PLC are both Insurance Property & Casualty companies. American Coastal Insurance Corporation is the larger, with a market value of $445.9M against $366.5M — 1.2× the size. American Coastal Insurance Corporation trades at the lower P/E: 4.5× against 10.5×. Global Indemnity PLC grew revenue faster over the last twelve months: 3.83% against 3.29%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 7.42%) and the higher return on invested capital (47.2% vs 4.29%). Both pay a dividend; American Coastal Insurance Corporation yields more (50.0% vs 3.36%). Across the 22 metrics below, American Coastal Insurance Corporation leads on 15 and Global Indemnity PLC on 7.

Valuation

Metric ACIC GBLI Insurance Property & Casualty median
P/E 4.52 10.53 10.29
P/S 1.37 0.78 1.17
P/B 1.33 0.51 1.83
Price to free cash flow n/m n/m 7.48
EV/EBITDA 1.94 6.31 7.49
EV/Sales 0.87 0.67 1.13
Earnings yield 22.13% 9.50% 9.50%
Free cash flow yield (6.87%) (9.52%) 13.29%

Profitability

Metric ACIC GBLI Insurance Property & Casualty median
Gross margin 56.62% 16.61% 41.16%
Operating margin 43.27% 9.91% 15.09%
Net margin 30.31% 7.42% 11.51%
Free cash flow margin (9.39%) (7.46%) 17.59%
Return on equity 31.65% 4.84% 18.19%
Return on assets 7.74% 1.97% 3.74%
Return on invested capital 47.19% 4.29% 12.06%

Growth

Metric ACIC GBLI Insurance Property & Casualty median
Revenue growth (TTM) 3.29% 3.83% 8.69%
EPS growth (last fiscal year) 39.61% (43.91%) —
Revenue growth, 5-year CAGR (16.90%) (7.87%) 9.23%
Net income growth, 5-year CAGR 0.00% (2.95%) 10.09%

Health

Metric ACIC GBLI Insurance Property & Casualty median
Debt to equity 0.45 0.06 0.25
Current ratio 0.88 0.26 0.42
Net debt to EBITDA (0.91) (0.87) 0.08

Dividend

Metric ACIC GBLI Insurance Property & Casualty median
Dividend yield 50.00% 3.36% 2.79%
Payout ratio — 0.38 0.27

Size

Metric ACIC GBLI Insurance Property & Casualty median
Market cap 445.87m 366.45m 2.44b

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