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 $445.9M against $264.9M — 1.7× the size. American Coastal Insurance Corporation trades at the lower P/E: 4.5× against 7.4×. 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%). Both pay a dividend; American Coastal Insurance Corporation yields more (50.0% vs 1.37%). Across the 22 metrics below, American Coastal Insurance Corporation leads on 12 and Kingstone Companies, Inc on 10.

Valuation

Metric ACIC KINS Insurance Property & Casualty median
P/E 4.52 7.36 10.29
P/S 1.37 1.11 1.17
P/B 1.33 2.05 1.83
Price to free cash flow n/m 3.18 7.48
EV/EBITDA 1.94 5.30 7.49
EV/Sales 0.87 1.06 1.13
Earnings yield 22.13% 13.59% 9.50%
Free cash flow yield (6.87%) 31.44% 13.29%

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% 17.59%
Return on equity 31.65% 31.51% 18.19%
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% 8.69%
EPS growth (last fiscal year) 39.61% 94.59% —
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 50.00% 1.37% 2.79%
Payout ratio — 0.62 0.27

Size

Metric ACIC KINS Insurance Property & Casualty median
Market cap 445.87m 264.91m 2.44b

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