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 $662.3M against $496.3M — 1.3× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 5.6× against 9.2×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against −3.14%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 7.38%) and the higher return on invested capital (292.0% vs 8.21%). Across the 20 metrics below, American Integrity Insurance Group, Inc. leads on 18 and Donegal Group, Inc. on 2.

Valuation

Metric AII DGICA Insurance Property & Casualty median
P/E 5.60 9.23 10.29
P/S 1.47 0.70 1.17
P/B 1.34 1.01 1.83
Price to free cash flow 3.02 11.48 7.48
EV/EBITDA 1.21 7.44 7.49
EV/Sales 0.45 0.71 1.13
Earnings yield 17.86% 10.83% 9.50%
Free cash flow yield 33.17% 8.71% 13.29%

Profitability

Metric AII DGICA Insurance Property & Casualty median
Gross margin 50.53% 24.57% 41.16%
Operating margin 36.21% 9.25% 15.09%
Net margin 26.85% 7.38% 11.51%
Free cash flow margin 48.67% 6.06% 17.59%
Return on equity 26.89% 11.18% 18.19%
Return on assets 5.64% 2.91% 3.74%
Return on invested capital 291.96% 8.21% 12.06%

Growth

Metric AII DGICA Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (3.14%) 8.69%
EPS growth (last fiscal year) 83.45% 42.48% —
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 0.42
Net debt to EBITDA (2.08) 0.08 0.08

Dividend

Metric AII DGICA Insurance Property & Casualty median
Dividend yield — 4.70% 2.79%
Payout ratio — 6.45 0.27

Size

Metric AII DGICA Insurance Property & Casualty median
Market cap 496.30m 662.34m 2.44b

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