American Integrity Insurance Group, Inc. (AII) vs Donegal Group, Inc. (DGICA)

American Integrity Insurance Group, Inc. and Donegal Group, Inc. are both Insurance Property & Casualty companies. Donegal Group, Inc. is the larger, with a market value of $732.0M against $530.6M — 1.4× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 9.7×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against −3.40%. American Integrity Insurance Group, Inc. has the higher net margin (26.2% vs 7.25%) and the higher return on invested capital (292.0% vs 8.10%). Both pay a dividend; Donegal Group, Inc. yields more (4.02% vs 3.79%). Across the 19 metrics below, American Integrity Insurance Group, Inc. leads on 16 and Donegal Group, Inc. on 3.

Valuation

Metric AII DGICA Insurance Property & Casualty median
P/E 5.98 9.65 12.17
P/S 1.57 0.73 1.26
P/B 1.43 1.06 1.85
Price to free cash flow 3.22 13.76 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.73% 10.36% 8.20%
Free cash flow yield 31.06% 7.27% 11.86%

Profitability

Metric AII DGICA Insurance Property & Casualty median
Gross margin 50.53% 0.00% 37.39%
Operating margin 36.21% 9.01% 14.67%
Net margin 26.20% 7.25% 10.16%
Free cash flow margin 48.67% 5.34% 18.60%
Return on equity 26.24% 10.73% 16.59%
Return on assets 5.50% 2.83% 3.38%
Return on invested capital 291.96% 8.10% 9.43%

Growth

Metric AII DGICA Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (3.40%) 5.70%
EPS growth (last fiscal year) 83.45% 42.48% 39.61%
Revenue growth, 5-year CAGR — 4.69% 9.23%
Net income growth, 5-year CAGR — 8.48% 10.09%

Health

Metric AII DGICA Insurance Property & Casualty median
Debt to equity 0.00 0.05 0.25
Current ratio 1.00 0.37 0.49
Net debt to EBITDA (2.08) 0.08 0.08

Dividend

Metric AII DGICA Insurance Property & Casualty median
Dividend yield 3.79% 4.02% 1.56%
Payout ratio 0.23 0.39 0.15

Size

Metric AII DGICA Insurance Property & Casualty median
Market cap 530.64m 731.97m 2.64b

Compare with another peer

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