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 $930.5M against $542.8M — 1.7× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.1× against 7.4×. 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 18 metrics below, American Integrity Insurance Group, Inc. leads on 14 and Hippo Holdings Inc. on 4.

Valuation

Metric AII HIPO Insurance Property & Casualty median
P/E 6.11 7.37 10.75
P/S 1.60 1.82 1.21
P/B 1.46 1.99 1.99
Price to free cash flow 3.29 16.84 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.37% 13.58% 9.08%
Free cash flow yield 30.39% 5.94% 12.11%

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% 17.46%
Return on equity 26.89% 30.34% 17.34%
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% 8.02%
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 0.95 0.42
Net debt to EBITDA (2.08) 38.15 0.08

Dividend

Metric AII HIPO Insurance Property & Casualty median
Dividend yield 3.71% — 1.50%
Payout ratio 0.23 — 0.14

Size

Metric AII HIPO Insurance Property & Casualty median
Market cap 542.79m 930.49m 2.67b

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