American Integrity Insurance Group, Inc. (AII) vs Presurance Holdings, Inc. (PRHI)

American Integrity Insurance Group, Inc. and Presurance Holdings, Inc. are both Insurance Property & Casualty companies. American Integrity Insurance Group, Inc. is the larger, with a market value of $496.3M against $28.9M — 17.2× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; American Integrity Insurance Group, Inc. trades at 5.6×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against −49.0%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs −49.6%) and the higher return on invested capital (292.0% vs −36.1%). Across the 17 metrics below, American Integrity Insurance Group, Inc. leads on 15 and Presurance Holdings, Inc. on 2.

Valuation

Metric AII PRHI Insurance Property & Casualty median
P/E 5.60 n/m 10.29
P/S 1.47 0.87 1.17
P/B 1.34 1.01 1.83
Price to free cash flow 3.02 n/m 7.48
EV/EBITDA 1.21 n/m 7.49
EV/Sales 0.45 0.86 1.13
Earnings yield 17.86% (137.51%) 9.50%
Free cash flow yield 33.17% (165.16%) 13.29%

Profitability

Metric AII PRHI Insurance Property & Casualty median
Gross margin 50.53% (8.27%) 41.16%
Operating margin 36.21% (35.38%) 15.09%
Net margin 26.85% (49.57%) 11.51%
Free cash flow margin 48.67% (143.99%) 17.59%
Return on equity 26.89% (56.67%) 18.19%
Return on assets 5.64% (6.27%) 3.74%
Return on invested capital 291.96% (36.11%) 12.06%

Growth

Metric AII PRHI Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (49.03%) 8.69%
EPS growth (last fiscal year) 83.45% (178.24%) —
Revenue growth, 5-year CAGR — (15.99%) 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric AII PRHI Insurance Property & Casualty median
Debt to equity 0.00 0.44 0.25
Current ratio 1.00 0.51 0.42
Net debt to EBITDA (2.08) 0.98 0.08

Dividend

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

Size

Metric AII PRHI Insurance Property & Casualty median
Market cap 496.30m 28.92m 2.44b

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