American Coastal Insurance Corporation (ACIC) vs Kingstone Companies, Inc (KINS)

American Coastal Insurance Corporation and Kingstone Companies, Inc are both Insurance Property & Casualty companies. American Coastal Insurance Corporation is the larger, with a market value of $485.4M against $274.5M — 1.8× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.7× against 7.6×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against −5.31%. American Coastal Insurance Corporation has the higher net margin (28.0% vs 14.9%) and the higher return on invested capital (64.1% vs 24.0%). Across the 19 metrics below, Kingstone Companies, Inc leads on 11 and American Coastal Insurance Corporation on 8.

Valuation

Metric ACIC KINS Insurance Property & Casualty median
P/E 5.65 7.62 12.17
P/S 1.56 1.15 1.26
P/B 1.37 2.12 1.85
Price to free cash flow n/m 3.29 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.70% 13.12% 8.20%
Free cash flow yield (6.39%) 30.36% 11.86%

Profitability

Metric ACIC KINS Insurance Property & Casualty median
Gross margin 54.47% 100.00% 37.39%
Operating margin 40.85% 18.74% 14.67%
Net margin 28.02% 14.85% 10.16%
Free cash flow margin 0.00% 34.95% 18.60%
Return on equity 25.51% 31.51% 16.59%
Return on assets 7.59% 8.10% 3.38%
Return on invested capital 64.11% 23.99% 9.43%

Growth

Metric ACIC KINS Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) 28.03% 5.70%
EPS growth (last fiscal year) 39.61% 94.59% 39.61%
Revenue growth, 5-year CAGR (16.90%) 10.34% 9.23%
Net income growth, 5-year CAGR 0.00% 111.10% 10.09%

Health

Metric ACIC KINS Insurance Property & Casualty median
Debt to equity 0.42 0.03 0.25
Current ratio 0.91 0.34 0.49
Net debt to EBITDA (0.91) (0.14) 0.08

Dividend

Metric ACIC KINS Insurance Property & Casualty median
Dividend yield — 1.11% 1.56%
Payout ratio — 0.09 0.15

Size

Metric ACIC KINS Insurance Property & Casualty median
Market cap 485.43m 274.47m 2.64b

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