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 $530.6M against $446.3M — 1.2× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 14.1×. 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%). 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 5.98 14.05 12.17
P/S 1.57 0.97 1.26
P/B 1.43 1.40 1.85
Price to free cash flow 3.22 18.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.73% 7.12% 8.20%
Free cash flow yield 31.06% 5.50% 11.86%

Profitability

Metric AII DGICB 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 DGICB Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (3.40%) 5.70%
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 0.49
Net debt to EBITDA (2.08) 0.08 0.08

Dividend

Metric AII DGICB Insurance Property & Casualty median
Dividend yield 3.79% — 1.56%
Payout ratio 0.23 — 0.15

Size

Metric AII DGICB Insurance Property & Casualty median
Market cap 530.64m 446.25m 2.64b

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