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 $530.7M against $30.5M — 17.4× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; American Coastal Insurance Corporation trades at 5.3×. 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 17 metrics below, American Coastal Insurance Corporation leads on 13 and Presurance Holdings, Inc. on 4.

Valuation

Metric ACIC PRHI Insurance Property & Casualty median
P/E 5.34 n/m 10.75
P/S 1.61 0.93 1.21
P/B 1.57 1.07 1.99
Price to free cash flow n/m n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% (129.51%) 9.08%
Free cash flow yield (5.81%) (155.55%) 12.11%

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%) 17.46%
Return on equity 31.65% (56.67%) 17.34%
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%) 8.02%
EPS growth (last fiscal year) 39.61% (178.24%) 39.61%
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 — — 1.50%
Payout ratio — — 0.14

Size

Metric ACIC PRHI Insurance Property & Casualty median
Market cap 530.69m 30.49m 2.67b

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