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 $530.6M against $25.6M — 20.7× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; American Integrity Insurance Group, Inc. trades at 6.0×. 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 (26.2% vs −49.6%) and the higher return on invested capital (292.0% vs −36.1%). Across the 16 metrics below, American Integrity Insurance Group, Inc. leads on 14 and Presurance Holdings, Inc. on 2.

Valuation

Metric AII PRHI Insurance Property & Casualty median
P/E 6.00 n/m 11.90
P/S 1.57 0.82 1.24
P/B 1.43 0.95 1.86
Price to free cash flow 3.23 n/m 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.66% (145.52%) 8.14%
Free cash flow yield 30.93% (174.77%) 11.91%

Profitability

Metric AII PRHI Insurance Property & Casualty median
Gross margin 50.53% (8.27%) 39.44%
Operating margin 36.21% (35.38%) 14.71%
Net margin 26.20% (49.57%) 10.47%
Free cash flow margin 48.67% (143.99%) 18.60%
Return on equity 26.24% (56.67%) 16.87%
Return on assets 5.50% (6.27%) 3.49%
Return on invested capital 291.96% (36.11%) 11.84%

Growth

Metric AII PRHI Insurance Property & Casualty median
Revenue growth (TTM) 29.28% (49.03%) 5.51%
EPS growth (last fiscal year) 83.45% (178.24%) 39.61%
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 0.49
Net debt to EBITDA (2.08) 0.98 0.08

Dividend

Metric AII PRHI Insurance Property & Casualty median
Dividend yield 3.78% — 1.59%
Payout ratio 0.23 — 0.15

Size

Metric AII PRHI Insurance Property & Casualty median
Market cap 530.64m 25.59m 2.62b

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