American Integrity Insurance Group, Inc. (AII) vs Kingstone Companies, Inc (KINS)

American Integrity Insurance Group, Inc. and Kingstone Companies, Inc are both Insurance Property & Casualty companies. American Integrity Insurance Group, Inc. is the larger, with a market value of $496.3M against $264.9M — 1.9× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 5.6× against 7.4×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 28.0%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 14.9%) and the higher return on invested capital (292.0% vs 24.0%). Across the 20 metrics below, American Integrity Insurance Group, Inc. leads on 15 and Kingstone Companies, Inc on 5.

Valuation

Metric AII KINS Insurance Property & Casualty median
P/E 5.60 7.36 10.29
P/S 1.47 1.11 1.17
P/B 1.34 2.05 1.83
Price to free cash flow 3.02 3.18 7.48
EV/EBITDA 1.21 5.30 7.49
EV/Sales 0.45 1.06 1.13
Earnings yield 17.86% 13.59% 9.50%
Free cash flow yield 33.17% 31.44% 13.29%

Profitability

Metric AII KINS Insurance Property & Casualty median
Gross margin 50.53% 100.00% 41.16%
Operating margin 36.21% 18.74% 15.09%
Net margin 26.85% 14.85% 11.51%
Free cash flow margin 48.67% 34.95% 17.59%
Return on equity 26.89% 31.51% 18.19%
Return on assets 5.64% 8.10% 3.74%
Return on invested capital 291.96% 23.99% 12.06%

Growth

Metric AII KINS Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 28.03% 8.69%
EPS growth (last fiscal year) 83.45% 94.59% —
Revenue growth, 5-year CAGR — 10.34% 9.23%
Net income growth, 5-year CAGR — 111.10% 10.09%

Health

Metric AII KINS Insurance Property & Casualty median
Debt to equity 0.00 0.03 0.25
Current ratio 1.00 0.34 0.42
Net debt to EBITDA (2.08) (0.14) 0.08

Dividend

Metric AII KINS Insurance Property & Casualty median
Dividend yield — 1.37% 2.79%
Payout ratio — 0.62 0.27

Size

Metric AII KINS Insurance Property & Casualty median
Market cap 496.30m 264.91m 2.44b

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