American Coastal Insurance Corporation (ACIC) vs Presurance Holdings, Inc. (PRHI)

American Coastal Insurance Corporation and Presurance Holdings, Inc. are both Insurance Property & Casualty companies. American Coastal Insurance Corporation is the larger, with a market value of $445.9M against $28.9M — 15.4× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; American Coastal Insurance Corporation trades at 4.5×. American Coastal Insurance Corporation grew revenue faster over the last twelve months: 3.29% against −49.0%. American Coastal Insurance Corporation has the higher net margin (30.3% vs −49.6%) and the higher return on invested capital (47.2% vs −36.1%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 13 and Presurance Holdings, Inc. on 5.

Valuation

Metric ACIC PRHI Insurance Property & Casualty median
P/E 4.52 n/m 10.29
P/S 1.37 0.87 1.17
P/B 1.33 1.01 1.83
Price to free cash flow n/m n/m 7.48
EV/EBITDA 1.94 n/m 7.49
EV/Sales 0.87 0.86 1.13
Earnings yield 22.13% (137.51%) 9.50%
Free cash flow yield (6.87%) (165.16%) 13.29%

Profitability

Metric ACIC PRHI Insurance Property & Casualty median
Gross margin 56.62% (8.27%) 41.16%
Operating margin 43.27% (35.38%) 15.09%
Net margin 30.31% (49.57%) 11.51%
Free cash flow margin (9.39%) (143.99%) 17.59%
Return on equity 31.65% (56.67%) 18.19%
Return on assets 7.74% (6.27%) 3.74%
Return on invested capital 47.19% (36.11%) 12.06%

Growth

Metric ACIC PRHI Insurance Property & Casualty median
Revenue growth (TTM) 3.29% (49.03%) 8.69%
EPS growth (last fiscal year) 39.61% (178.24%) —
Revenue growth, 5-year CAGR (16.90%) (15.99%) 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ACIC PRHI Insurance Property & Casualty median
Debt to equity 0.45 0.44 0.25
Current ratio 0.88 0.51 0.42
Net debt to EBITDA (0.91) 0.98 0.08

Dividend

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

Size

Metric ACIC PRHI Insurance Property & Casualty median
Market cap 445.87m 28.92m 2.44b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack