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 $542.8M against $355.0M — 1.5× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.1× against 10.3×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 3.83%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 7.42%) and the higher return on invested capital (292.0% vs 4.29%). Both pay a dividend; Global Indemnity PLC yields more (5.77% vs 3.71%). 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 6.11 10.28 10.75
P/S 1.60 0.76 1.21
P/B 1.46 0.49 1.99
Price to free cash flow 3.29 n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.37% 9.73% 9.08%
Free cash flow yield 30.39% (9.76%) 12.11%

Profitability

Metric AII GBLI Insurance Property & Casualty median
Gross margin 50.53% 16.61% 41.16%
Operating margin 36.21% 9.91% 15.09%
Net margin 26.85% 7.42% 11.51%
Free cash flow margin 48.67% (7.46%) 17.46%
Return on equity 26.89% 4.84% 17.34%
Return on assets 5.64% 1.97% 3.74%
Return on invested capital 291.96% 4.29% 12.06%

Growth

Metric AII GBLI Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 3.83% 8.02%
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 0.06 0.25
Current ratio 1.00 0.26 0.42
Net debt to EBITDA (2.08) (0.87) 0.08

Dividend

Metric AII GBLI Insurance Property & Casualty median
Dividend yield 3.71% 5.77% 1.50%
Payout ratio 0.23 0.60 0.14

Size

Metric AII GBLI Insurance Property & Casualty median
Market cap 542.79m 355.03m 2.67b

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