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 $485.4M against $25.6M — 19.0× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; American Coastal Insurance Corporation trades at 5.5×. American Coastal Insurance Corporation grew revenue faster over the last twelve months: −5.31% against −49.0%. American Coastal Insurance Corporation has the higher net margin (28.0% vs −49.6%) and the higher return on invested capital (64.1% vs −36.1%). Across the 17 metrics below, American Coastal Insurance Corporation leads on 14 and Presurance Holdings, Inc. on 3.

Valuation

Metric ACIC PRHI Insurance Property & Casualty median
P/E 5.52 n/m 11.90
P/S 1.53 0.82 1.24
P/B 1.33 0.95 1.86
Price to free cash flow n/m n/m 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.10% (145.52%) 8.14%
Free cash flow yield (6.54%) (174.77%) 11.91%

Profitability

Metric ACIC PRHI Insurance Property & Casualty median
Gross margin 54.47% (8.27%) 39.44%
Operating margin 40.85% (35.38%) 14.71%
Net margin 28.02% (49.57%) 10.47%
Free cash flow margin 0.00% (143.99%) 18.60%
Return on equity 25.51% (56.67%) 16.87%
Return on assets 7.59% (6.27%) 3.49%
Return on invested capital 64.11% (36.11%) 11.84%

Growth

Metric ACIC PRHI Insurance Property & Casualty median
Revenue growth (TTM) (5.31%) (49.03%) 5.51%
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 0.42 0.44 0.25
Current ratio 0.91 0.51 0.49
Net debt to EBITDA (0.91) 0.98 0.08

Dividend

Metric ACIC PRHI Insurance Property & Casualty median
Dividend yield — — 1.59%
Payout ratio — — 0.15

Size

Metric ACIC PRHI Insurance Property & Casualty median
Market cap 485.43m 25.59m 2.62b

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