American Integrity Insurance Group, Inc. (AII) vs Root, Inc. (ROOT)

American Integrity Insurance Group, Inc. and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $750.2M against $496.3M — 1.5× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 5.6× against 12.8×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 14.9%. American Integrity Insurance Group, Inc. has the higher net margin (26.9% vs 3.71%) and the higher return on invested capital (292.0% vs 85.8%). Across the 20 metrics below, American Integrity Insurance Group, Inc. leads on 16 and Root, Inc. on 4.

Valuation

Metric AII ROOT Insurance Property & Casualty median
P/E 5.60 12.78 10.29
P/S 1.47 0.47 1.17
P/B 1.34 2.27 1.83
Price to free cash flow 3.02 4.18 7.48
EV/EBITDA 1.21 3.68 7.49
EV/Sales 0.45 0.23 1.13
Earnings yield 17.86% 7.83% 9.50%
Free cash flow yield 33.17% 23.91% 13.29%

Profitability

Metric AII ROOT Insurance Property & Casualty median
Gross margin 50.53% 39.30% 41.16%
Operating margin 36.21% 5.51% 15.09%
Net margin 26.85% 3.71% 11.51%
Free cash flow margin 48.67% 11.43% 17.59%
Return on equity 26.89% 20.34% 18.19%
Return on assets 5.64% 3.57% 3.74%
Return on invested capital 291.96% 85.75% 12.06%

Growth

Metric AII ROOT Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 14.86% 8.69%
EPS growth (last fiscal year) 83.45% 28.96% —
Revenue growth, 5-year CAGR — 34.33% 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric AII ROOT Insurance Property & Casualty median
Debt to equity 0.00 0.45 0.25
Current ratio 1.00 1.01 0.42
Net debt to EBITDA (2.08) (6.65) 0.08

Dividend

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

Size

Metric AII ROOT Insurance Property & Casualty median
Market cap 496.30m 750.15m 2.44b

Compare with another peer

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