American Coastal Insurance Corporation (ACIC) vs Root, Inc. (ROOT)

American Coastal Insurance Corporation and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $782.6M against $530.7M — 1.5× the size. American Coastal Insurance Corporation trades at the lower P/E: 5.3× against 13.6×. Root, Inc. grew revenue faster over the last twelve months: 14.9% against 3.29%. American Coastal Insurance Corporation has the higher net margin (30.3% vs 3.71%) and the lower return on invested capital (47.2% vs 85.8%). Across the 18 metrics below, American Coastal Insurance Corporation leads on 10 and Root, Inc. on 8.

Valuation

Metric ACIC ROOT Insurance Property & Casualty median
P/E 5.34 13.60 10.75
P/S 1.61 0.51 1.21
P/B 1.57 2.42 1.99
Price to free cash flow n/m 4.45 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 18.74% 7.35% 9.08%
Free cash flow yield (5.81%) 22.45% 12.11%

Profitability

Metric ACIC ROOT Insurance Property & Casualty median
Gross margin 56.62% 39.30% 41.16%
Operating margin 43.27% 5.51% 15.09%
Net margin 30.31% 3.71% 11.51%
Free cash flow margin (9.39%) 11.43% 17.46%
Return on equity 31.65% 20.34% 17.34%
Return on assets 7.74% 3.57% 3.74%
Return on invested capital 47.19% 85.75% 12.06%

Growth

Metric ACIC ROOT Insurance Property & Casualty median
Revenue growth (TTM) 3.29% 14.86% 8.02%
EPS growth (last fiscal year) 39.61% 28.96% 39.61%
Revenue growth, 5-year CAGR (16.90%) 34.33% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric ACIC ROOT Insurance Property & Casualty median
Debt to equity 0.45 0.45 0.25
Current ratio 0.88 1.01 0.42
Net debt to EBITDA (0.91) (6.65) 0.08

Dividend

Metric ACIC ROOT Insurance Property & Casualty median
Dividend yield — — 1.50%
Payout ratio — — 0.14

Size

Metric ACIC ROOT Insurance Property & Casualty median
Market cap 530.69m 782.56m 2.67b

Compare with another peer

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