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 $530.7M against $269.0M — 2.0× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.3× against 7.5×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against 3.29%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 14.9%) and the higher return on invested capital (47.2% vs 24.0%). Across the 19 metrics below, Kingstone Companies, Inc leads on 10 and American Coastal Insurance Corporation on 9.

Valuation

Metric ACIC KINS Insurance Property & Casualty median
P/E 5.34 7.55 10.75
P/S 1.61 1.14 1.21
P/B 1.57 2.10 1.99
Price to free cash flow n/m 3.26 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% 13.25% 9.08%
Free cash flow yield (5.81%) 30.65% 12.11%

Profitability

Metric ACIC KINS Insurance Property & Casualty median
Gross margin 56.62% 100.00% 41.16%
Operating margin 43.27% 18.74% 15.09%
Net margin 30.31% 14.85% 11.51%
Free cash flow margin (9.39%) 34.95% 17.46%
Return on equity 31.65% 31.51% 17.34%
Return on assets 7.74% 8.10% 3.74%
Return on invested capital 47.19% 23.99% 12.06%

Growth

Metric ACIC KINS Insurance Property & Casualty median
Revenue growth (TTM) 3.29% 28.03% 8.02%
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 0.45 0.03 0.25
Current ratio 0.88 0.34 0.42
Net debt to EBITDA (0.91) (0.14) 0.08

Dividend

Metric ACIC KINS Insurance Property & Casualty median
Dividend yield — 1.12% 1.50%
Payout ratio — 0.09 0.14

Size

Metric ACIC KINS Insurance Property & Casualty median
Market cap 530.69m 268.97m 2.67b

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