American Integrity Insurance Group, Inc. (AII) vs NI Holdings, Inc. (NODK)

American Integrity Insurance Group, Inc. and NI Holdings, Inc. are both Insurance Property & Casualty companies. American Integrity Insurance Group, Inc. is the larger, with a market value of $496.3M against $300.6M — 1.7× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 5.6× against 39.3×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against −13.9%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 2.93%) and the higher return on invested capital (292.0% vs 3.54%). Across the 19 metrics below, American Integrity Insurance Group, Inc. leads on 16 and NI Holdings, Inc. on 3.

Valuation

Metric AII NODK Insurance Property & Casualty median
P/E 5.60 39.26 10.29
P/S 1.47 1.15 1.17
P/B 1.34 1.24 1.83
Price to free cash flow 3.02 n/m 7.48
EV/EBITDA 1.21 4.03 7.49
EV/Sales 0.45 0.96 1.13
Earnings yield 17.86% 2.55% 9.50%
Free cash flow yield 33.17% (10.46%) 13.29%

Profitability

Metric AII NODK Insurance Property & Casualty median
Gross margin 50.53% 37.39% 41.16%
Operating margin 36.21% 4.18% 15.09%
Net margin 26.85% 2.93% 11.51%
Free cash flow margin 48.67% (12.05%) 17.59%
Return on equity 26.89% 3.18% 18.19%
Return on assets 5.64% 1.35% 3.74%
Return on invested capital 291.96% 3.54% 12.06%

Growth

Metric AII NODK Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (13.85%) 8.69%
EPS growth (last fiscal year) 83.45% (72.41%) —
Revenue growth, 5-year CAGR — (1.43%) 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric AII NODK Insurance Property & Casualty median
Debt to equity 0.00 0.00 0.25
Current ratio 1.00 1.00 0.42
Net debt to EBITDA (2.08) (1.06) 0.08

Dividend

Metric AII NODK Insurance Property & Casualty median
Dividend yield — — 2.79%
Payout ratio — 0.00 0.27

Size

Metric AII NODK Insurance Property & Casualty median
Market cap 496.30m 300.56m 2.44b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack