American Coastal Insurance Corporation (ACIC) vs Hippo Holdings Inc. (HIPO)

American Coastal Insurance Corporation and Hippo Holdings Inc. are both Insurance Property & Casualty companies. Hippo Holdings Inc. is the larger, with a market value of $930.5M against $530.7M — 1.8× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.3× against 7.4×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 19.3% against 3.29%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 23.9%) and the higher return on invested capital (47.2% vs 8.68%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 10 and Hippo Holdings Inc. on 8.

Valuation

Metric ACIC HIPO Insurance Property & Casualty median
P/E 5.34 7.37 10.75
P/S 1.61 1.82 1.21
P/B 1.57 1.99 1.99
Price to free cash flow n/m 16.84 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% 13.58% 9.08%
Free cash flow yield (5.81%) 5.94% 12.11%

Profitability

Metric ACIC HIPO Insurance Property & Casualty median
Gross margin 56.62% 100.00% 41.16%
Operating margin 43.27% 6.62% 15.09%
Net margin 30.31% 23.92% 11.51%
Free cash flow margin (9.39%) 11.47% 17.46%
Return on equity 31.65% 30.34% 17.34%
Return on assets 7.74% 6.03% 3.74%
Return on invested capital 47.19% 8.68% 12.06%

Growth

Metric ACIC HIPO Insurance Property & Casualty median
Revenue growth (TTM) 3.29% 19.34% 8.02%
EPS growth (last fiscal year) 39.61% 235.37% 39.61%
Revenue growth, 5-year CAGR (16.90%) 55.46% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ACIC HIPO Insurance Property & Casualty median
Debt to equity 0.45 0.10 0.25
Current ratio 0.88 0.95 0.42
Net debt to EBITDA (0.91) 38.15 0.08

Dividend

Metric ACIC HIPO Insurance Property & Casualty median
Dividend yield — — 1.50%
Payout ratio — — 0.14

Size

Metric ACIC HIPO Insurance Property & Casualty median
Market cap 530.69m 930.49m 2.67b

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