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 $485.4M against $314.0M — 1.5× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.7× against 41.1×. American Coastal Insurance Corporation grew revenue faster over the last twelve months: −5.31% against −13.9%. American Coastal Insurance Corporation has the higher net margin (28.0% vs 2.93%) and the higher return on invested capital (64.1% vs 3.54%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 12 and NI Holdings, Inc. on 6.

Valuation

Metric ACIC NODK Insurance Property & Casualty median
P/E 5.65 41.09 12.17
P/S 1.56 1.21 1.26
P/B 1.37 1.29 1.85
Price to free cash flow n/m n/m 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.70% 2.43% 8.20%
Free cash flow yield (6.39%) (9.99%) 11.86%

Profitability

Metric ACIC NODK Insurance Property & Casualty median
Gross margin 54.47% 37.39% 37.39%
Operating margin 40.85% 4.18% 14.67%
Net margin 28.02% 2.93% 10.16%
Free cash flow margin 0.00% (12.05%) 18.60%
Return on equity 25.51% 3.18% 16.59%
Return on assets 7.59% 1.35% 3.38%
Return on invested capital 64.11% 3.54% 9.43%

Growth

Metric ACIC NODK Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) (13.85%) 5.70%
EPS growth (last fiscal year) 39.61% (72.41%) 39.61%
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 0.42 0.00 0.25
Current ratio 0.91 1.00 0.49
Net debt to EBITDA (0.91) (1.06) 0.08

Dividend

Metric ACIC NODK Insurance Property & Casualty median
Dividend yield — — 1.56%
Payout ratio — — 0.15

Size

Metric ACIC NODK Insurance Property & Casualty median
Market cap 485.43m 314.03m 2.64b

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