American Integrity Insurance Group, Inc. (AII) vs Hippo Holdings Inc. (HIPO)

American Integrity Insurance Group, Inc. and Hippo Holdings Inc. are both Insurance Property & Casualty companies. Hippo Holdings Inc. is the larger, with a market value of $798.0M against $496.3M — 1.6× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 5.6× against 6.4×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 19.3%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 23.9%) and the higher return on invested capital (292.0% vs 8.68%). Across the 20 metrics below, American Integrity Insurance Group, Inc. leads on 16 and Hippo Holdings Inc. on 4.

Valuation

Metric AII HIPO Insurance Property & Casualty median
P/E 5.60 6.39 10.29
P/S 1.47 1.58 1.17
P/B 1.34 1.72 1.83
Price to free cash flow 3.02 14.61 7.48
EV/EBITDA 1.21 17.21 7.49
EV/Sales 0.45 1.14 1.13
Earnings yield 17.86% 15.65% 9.50%
Free cash flow yield 33.17% 6.84% 13.29%

Profitability

Metric AII HIPO Insurance Property & Casualty median
Gross margin 50.53% 100.00% 41.16%
Operating margin 36.21% 6.62% 15.09%
Net margin 26.85% 23.92% 11.51%
Free cash flow margin 48.67% 11.47% 17.59%
Return on equity 26.89% 30.34% 18.19%
Return on assets 5.64% 6.03% 3.74%
Return on invested capital 291.96% 8.68% 12.06%

Growth

Metric AII HIPO Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 19.34% 8.69%
EPS growth (last fiscal year) 83.45% 235.37% —
Revenue growth, 5-year CAGR — 55.46% 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric AII HIPO Insurance Property & Casualty median
Debt to equity 0.00 0.10 0.25
Current ratio 1.00 0.95 0.42
Net debt to EBITDA (2.08) 38.15 0.08

Dividend

Metric AII HIPO Insurance Property & Casualty median
Dividend yield — — 2.79%
Payout ratio — 0.00 0.27

Size

Metric AII HIPO Insurance Property & Casualty median
Market cap 496.30m 798.01m 2.44b

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