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 $530.7M against $355.0M — 1.5× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.3× against 10.3×. 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%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 12 and Global Indemnity PLC on 6.

Valuation

Metric ACIC GBLI Insurance Property & Casualty median
P/E 5.34 10.28 10.75
P/S 1.61 0.76 1.21
P/B 1.57 0.49 1.99
Price to free cash flow n/m n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% 9.73% 9.08%
Free cash flow yield (5.81%) (9.76%) 12.11%

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%) 17.46%
Return on equity 31.65% 4.84% 17.34%
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% 8.02%
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 0.45 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 — 5.77% 1.50%
Payout ratio — 0.60 0.14

Size

Metric ACIC GBLI Insurance Property & Casualty median
Market cap 530.69m 355.03m 2.67b

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