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 $530.6M against $274.5M — 1.9× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 6.9×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 24.5%. American Integrity Insurance Group, Inc. has the higher net margin (26.2% vs 16.8%) and the higher return on invested capital (292.0% vs 27.8%). Both pay a dividend; American Integrity Insurance Group, Inc. yields more (3.78% vs 1.04%). Across the 19 metrics below, American Integrity Insurance Group, Inc. leads on 14 and Kingstone Companies, Inc on 5.

Valuation

Metric AII KINS Insurance Property & Casualty median
P/E 6.00 6.93 11.90
P/S 1.57 1.17 1.24
P/B 1.43 2.14 1.86
Price to free cash flow 3.23 3.71 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.66% 14.43% 8.14%
Free cash flow yield 30.93% 26.97% 11.91%

Profitability

Metric AII KINS Insurance Property & Casualty median
Gross margin 50.53% 100.00% 39.44%
Operating margin 36.21% 21.28% 14.71%
Net margin 26.20% 16.83% 10.47%
Free cash flow margin 48.67% 32.89% 18.60%
Return on equity 26.24% 34.38% 16.87%
Return on assets 5.50% 9.16% 3.49%
Return on invested capital 291.96% 27.80% 11.84%

Growth

Metric AII KINS Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 24.46% 5.51%
EPS growth (last fiscal year) 83.45% 94.59% 39.61%
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 0.49
Net debt to EBITDA (2.08) (0.14) 0.08

Dividend

Metric AII KINS Insurance Property & Casualty median
Dividend yield 3.78% 1.04% 1.59%
Payout ratio 0.23 0.07 0.15

Size

Metric AII KINS Insurance Property & Casualty median
Market cap 530.64m 274.47m 2.62b

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