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 $716.7M against $530.6M — 1.4× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.0× against 8.7×. American Integrity Insurance Group, Inc. grew revenue faster over the last twelve months: 29.3% against 7.89%. American Integrity Insurance Group, Inc. has the higher net margin (26.2% vs 4.96%) and the higher return on invested capital (292.0% vs 0.00%). Across the 18 metrics below, American Integrity Insurance Group, Inc. leads on 15 and Root, Inc. on 3.

Valuation

Metric AII ROOT Insurance Property & Casualty median
P/E 6.00 8.68 11.90
P/S 1.57 0.43 1.24
P/B 1.43 2.04 1.86
Price to free cash flow 3.23 4.00 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.66% 11.52% 8.14%
Free cash flow yield 30.93% 25.02% 11.91%

Profitability

Metric AII ROOT Insurance Property & Casualty median
Gross margin 50.53% 39.44% 39.44%
Operating margin 36.21% 6.68% 14.71%
Net margin 26.20% 4.96% 10.47%
Free cash flow margin 48.67% 10.79% 18.60%
Return on equity 26.24% 26.15% 16.87%
Return on assets 5.50% 4.67% 3.49%
Return on invested capital 291.96% 0.00% 11.84%

Growth

Metric AII ROOT Insurance Property & Casualty median
Revenue growth (TTM) 29.28% 7.89% 5.51%
EPS growth (last fiscal year) 83.45% 28.96% 39.61%
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 1.09 0.49
Net debt to EBITDA (2.08) (6.65) 0.08

Dividend

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

Size

Metric AII ROOT Insurance Property & Casualty median
Market cap 530.64m 716.74m 2.62b

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