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 $485.4M against $307.5M — 1.6× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.7× against 10.0×. Global Indemnity PLC grew revenue faster over the last twelve months: 2.97% against −5.31%. American Coastal Insurance Corporation has the higher net margin (28.0% vs 6.64%) and the higher return on invested capital (64.1% vs 4.62%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 13 and Global Indemnity PLC on 5.

Valuation

Metric ACIC GBLI Insurance Property & Casualty median
P/E 5.65 10.02 12.17
P/S 1.56 0.67 1.26
P/B 1.37 0.43 1.85
Price to free cash flow n/m n/m 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.70% 9.98% 8.20%
Free cash flow yield (6.39%) (9.11%) 11.86%

Profitability

Metric ACIC GBLI Insurance Property & Casualty median
Gross margin 54.47% 0.00% 37.39%
Operating margin 40.85% 8.96% 14.67%
Net margin 28.02% 6.64% 10.16%
Free cash flow margin 0.00% (6.07%) 18.60%
Return on equity 25.51% 0.00% 16.59%
Return on assets 7.59% 1.77% 3.38%
Return on invested capital 64.11% 4.62% 9.43%

Growth

Metric ACIC GBLI Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) 2.97% 5.70%
EPS growth (last fiscal year) 39.61% (43.91%) 39.61%
Revenue growth, 5-year CAGR (16.90%) (5.06%) 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ACIC GBLI Insurance Property & Casualty median
Debt to equity 0.42 0.03 0.25
Current ratio 0.91 0.26 0.49
Net debt to EBITDA (0.91) (0.87) 0.08

Dividend

Metric ACIC GBLI Insurance Property & Casualty median
Dividend yield — 6.65% 1.56%
Payout ratio — 0.67 0.15

Size

Metric ACIC GBLI Insurance Property & Casualty median
Market cap 485.43m 307.45m 2.64b

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