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 $542.8M against $269.0M — 2.0× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.1× against 7.5×. 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%). Both pay a dividend; American Integrity Insurance Group, Inc. yields more (3.71% vs 1.12%). Across the 19 metrics below, American Integrity Insurance Group, Inc. leads on 12 and Kingstone Companies, Inc on 7.

Valuation

Metric AII KINS Insurance Property & Casualty median
P/E 6.11 7.55 10.75
P/S 1.60 1.14 1.21
P/B 1.46 2.10 1.99
Price to free cash flow 3.29 3.26 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.37% 13.25% 9.08%
Free cash flow yield 30.39% 30.65% 12.11%

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% 17.46%
Return on equity 26.89% 31.51% 17.34%
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% 8.02%
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 0.42
Net debt to EBITDA (2.08) (0.14) 0.08

Dividend

Metric AII KINS Insurance Property & Casualty median
Dividend yield 3.71% 1.12% 1.50%
Payout ratio 0.23 0.09 0.14

Size

Metric AII KINS Insurance Property & Casualty median
Market cap 542.79m 268.97m 2.67b

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