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 $798.0M against $445.9M — 1.8× the size. American Coastal Insurance Corporation trades at the lower P/E: 4.5× against 6.4×. 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 20 metrics below, American Coastal Insurance Corporation leads on 12 and Hippo Holdings Inc. on 8.

Valuation

Metric ACIC HIPO Insurance Property & Casualty median
P/E 4.52 6.39 10.29
P/S 1.37 1.58 1.17
P/B 1.33 1.72 1.83
Price to free cash flow n/m 14.61 7.48
EV/EBITDA 1.94 17.21 7.49
EV/Sales 0.87 1.14 1.13
Earnings yield 22.13% 15.65% 9.50%
Free cash flow yield (6.87%) 6.84% 13.29%

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% 17.59%
Return on equity 31.65% 30.34% 18.19%
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% 8.69%
EPS growth (last fiscal year) 39.61% 235.37% —
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 50.00% — 2.79%
Payout ratio — 0.00 0.27

Size

Metric ACIC HIPO Insurance Property & Casualty median
Market cap 445.87m 798.01m 2.44b

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