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 $926.2M against $530.6M — 1.7× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 28.3×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 20.6%. American Integrity Insurance Group, Inc. has the higher net margin (26.2% vs 5.90%) and the higher return on invested capital (292.0% vs 11.8%). Across the 18 metrics below, American Integrity Insurance Group, Inc. leads on 16 and Hippo Holdings Inc. on 2.

Valuation

Metric AII HIPO Insurance Property & Casualty median
P/E 5.98 28.34 12.17
P/S 1.57 1.69 1.26
P/B 1.43 1.96 1.85
Price to free cash flow 3.22 8.31 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.73% 3.53% 8.20%
Free cash flow yield 31.06% 12.04% 11.86%

Profitability

Metric AII HIPO Insurance Property & Casualty median
Gross margin 50.53% 100.00% 37.39%
Operating margin 36.21% 6.63% 14.67%
Net margin 26.20% 5.90% 10.16%
Free cash flow margin 48.67% 20.97% 18.60%
Return on equity 26.24% 7.19% 16.59%
Return on assets 5.50% 1.38% 3.38%
Return on invested capital 291.96% 11.84% 9.43%

Growth

Metric AII HIPO Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 20.55% 5.70%
EPS growth (last fiscal year) 83.45% 235.37% 39.61%
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 0.96 0.49
Net debt to EBITDA (2.08) 38.15 0.08

Dividend

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

Size

Metric AII HIPO Insurance Property & Casualty median
Market cap 530.64m 926.17m 2.64b

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