American Coastal Insurance Corporation (ACIC) vs NI Holdings, Inc. (NODK)

American Coastal Insurance Corporation and NI Holdings, Inc. are both Insurance Property & Casualty companies. American Coastal Insurance Corporation is the larger, with a market value of $445.9M against $300.6M — 1.5× the size. American Coastal Insurance Corporation trades at the lower P/E: 4.5× against 39.3×. American Coastal Insurance Corporation grew revenue faster over the last twelve months: 3.29% against −13.9%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 2.93%) and the higher return on invested capital (47.2% vs 3.54%). Across the 20 metrics below, American Coastal Insurance Corporation leads on 14 and NI Holdings, Inc. on 6.

Valuation

Metric ACIC NODK Insurance Property & Casualty median
P/E 4.52 39.26 10.29
P/S 1.37 1.15 1.17
P/B 1.33 1.24 1.83
Price to free cash flow n/m n/m 7.48
EV/EBITDA 1.94 4.03 7.49
EV/Sales 0.87 0.96 1.13
Earnings yield 22.13% 2.55% 9.50%
Free cash flow yield (6.87%) (10.46%) 13.29%

Profitability

Metric ACIC NODK Insurance Property & Casualty median
Gross margin 56.62% 37.39% 41.16%
Operating margin 43.27% 4.18% 15.09%
Net margin 30.31% 2.93% 11.51%
Free cash flow margin (9.39%) (12.05%) 17.59%
Return on equity 31.65% 3.18% 18.19%
Return on assets 7.74% 1.35% 3.74%
Return on invested capital 47.19% 3.54% 12.06%

Growth

Metric ACIC NODK Insurance Property & Casualty median
Revenue growth (TTM) 3.29% (13.85%) 8.69%
EPS growth (last fiscal year) 39.61% (72.41%) —
Revenue growth, 5-year CAGR (16.90%) (1.43%) 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ACIC NODK Insurance Property & Casualty median
Debt to equity 0.45 0.00 0.25
Current ratio 0.88 1.00 0.42
Net debt to EBITDA (0.91) (1.06) 0.08

Dividend

Metric ACIC NODK Insurance Property & Casualty median
Dividend yield 50.00% — 2.79%
Payout ratio — 0.00 0.27

Size

Metric ACIC NODK Insurance Property & Casualty median
Market cap 445.87m 300.56m 2.44b

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