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

American Integrity Insurance Group, Inc. and Donegal Group, Inc. are both Insurance Property & Casualty companies. American Integrity Insurance Group, Inc. is the larger, with a market value of $542.8M against $446.3M — 1.2× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.1× against 10.7×. 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 18 metrics below, American Integrity Insurance Group, Inc. leads on 16 and Donegal Group, Inc. on 2.

Valuation

Metric AII DGICB Insurance Property & Casualty median
P/E 6.11 10.72 10.75
P/S 1.60 0.73 1.21
P/B 1.46 1.06 1.99
Price to free cash flow 3.29 12.11 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.37% 9.32% 9.08%
Free cash flow yield 30.39% 8.26% 12.11%

Profitability

Metric AII DGICB 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% 17.46%
Return on equity 26.89% 11.18% 17.34%
Return on assets 5.64% 2.91% 3.74%
Return on invested capital 291.96% 8.21% 12.06%

Growth

Metric AII DGICB Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (3.14%) 8.02%
EPS growth (last fiscal year) 83.45% 45.65% 39.61%
Revenue growth, 5-year CAGR — 4.69% 9.23%
Net income growth, 5-year CAGR — 8.48% 10.09%

Health

Metric AII DGICB 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 DGICB Insurance Property & Casualty median
Dividend yield 3.71% — 1.50%
Payout ratio 0.23 — 0.14

Size

Metric AII DGICB Insurance Property & Casualty median
Market cap 542.79m 446.25m 2.67b

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