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 $782.6M against $542.8M — 1.4× the size. American Integrity Insurance Group, Inc. trades at the lower P/E: 6.1× against 13.6×. 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 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 6.11 13.60 10.75
P/S 1.60 0.51 1.21
P/B 1.46 2.42 1.99
Price to free cash flow 3.29 4.45 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.37% 7.35% 9.08%
Free cash flow yield 30.39% 22.45% 12.11%

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% 17.46%
Return on equity 26.89% 20.34% 17.34%
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% 8.02%
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 1.01 0.42
Net debt to EBITDA (2.08) (6.65) 0.08

Dividend

Metric AII ROOT Insurance Property & Casualty median
Dividend yield 3.71% — 1.50%
Payout ratio 0.23 — 0.14

Size

Metric AII ROOT Insurance Property & Casualty median
Market cap 542.79m 782.56m 2.67b

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