American Integrity Insurance Group, Inc. (AII) vs Global Indemnity PLC (GBLI)

American Integrity Insurance Group, Inc. and Global Indemnity PLC are both Insurance Property & Casualty companies. American Integrity Insurance Group, Inc. is the larger, with a market value of $530.6M against $307.5M — 1.7× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 10.0×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 2.97%. American Integrity Insurance Group, Inc. has the higher net margin (26.2% vs 6.64%) and the higher return on invested capital (292.0% vs 4.62%). Both pay a dividend; Global Indemnity PLC yields more (6.65% vs 3.79%). Across the 18 metrics below, American Integrity Insurance Group, Inc. leads on 15 and Global Indemnity PLC on 3.

Valuation

Metric AII GBLI Insurance Property & Casualty median
P/E 5.98 10.02 12.17
P/S 1.57 0.67 1.26
P/B 1.43 0.43 1.85
Price to free cash flow 3.22 n/m 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.73% 9.98% 8.20%
Free cash flow yield 31.06% (9.11%) 11.86%

Profitability

Metric AII GBLI Insurance Property & Casualty median
Gross margin 50.53% 0.00% 37.39%
Operating margin 36.21% 8.96% 14.67%
Net margin 26.20% 6.64% 10.16%
Free cash flow margin 48.67% (6.07%) 18.60%
Return on equity 26.24% 0.00% 16.59%
Return on assets 5.50% 1.77% 3.38%
Return on invested capital 291.96% 4.62% 9.43%

Growth

Metric AII GBLI Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 2.97% 5.70%
EPS growth (last fiscal year) 83.45% (43.91%) 39.61%
Revenue growth, 5-year CAGR — (5.06%) 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric AII GBLI Insurance Property & Casualty median
Debt to equity 0.00 0.03 0.25
Current ratio 1.00 0.26 0.49
Net debt to EBITDA (2.08) (0.87) 0.08

Dividend

Metric AII GBLI Insurance Property & Casualty median
Dividend yield 3.79% 6.65% 1.56%
Payout ratio 0.23 0.67 0.15

Size

Metric AII GBLI Insurance Property & Casualty median
Market cap 530.64m 307.45m 2.64b

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