Ategrity Specialty Insurance Company Holdings (ASIC) vs Stewart Information Services Corporation (STC)

Ategrity Specialty Insurance Company Holdings and Stewart Information Services Corporation are both Insurance Property & Casualty companies. Stewart Information Services Corporation is the larger, with a market value of $1.6B against $1.3B — 1.2× the size. Stewart Information Services Corporation trades at the lower P/E: 11.5× against 12.3×. Ategrity Specialty Insurance Company Holdings grew revenue faster over the last twelve months: 36.6% against 22.5%. Ategrity Specialty Insurance Company Holdings has the higher net margin (20.5% vs 4.12%) and the higher return on invested capital (14.1% vs 9.12%). Across the 18 metrics below, Ategrity Specialty Insurance Company Holdings leads on 11 and Stewart Information Services Corporation on 7.

Valuation

Metric ASIC STC Insurance Property & Casualty median
P/E 12.33 11.52 10.75
P/S 2.53 0.49 1.21
P/B 1.95 0.96 1.99
Price to free cash flow 7.55 10.87 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.11% 8.68% 9.08%
Free cash flow yield 13.24% 9.20% 12.11%

Profitability

Metric ASIC STC Insurance Property & Casualty median
Gross margin 28.38% 64.35% 41.16%
Operating margin 27.87% 9.19% 15.09%
Net margin 20.50% 4.12% 11.51%
Free cash flow margin 33.51% 4.50% 17.46%
Return on equity 17.22% 8.64% 17.34%
Return on assets 7.00% 4.44% 3.74%
Return on invested capital 14.08% 9.12% 12.06%

Growth

Metric ASIC STC Insurance Property & Casualty median
Revenue growth (TTM) 36.63% 22.49% 8.02%
EPS growth (last fiscal year) 7.33% 55.17% 39.61%
Revenue growth, 5-year CAGR — 5.01% 9.23%
Net income growth, 5-year CAGR — (5.70%) 10.09%

Health

Metric ASIC STC Insurance Property & Casualty median
Debt to equity 0.00 0.39 0.25
Current ratio 0.53 1.81 0.42
Net debt to EBITDA (0.30) 0.99 0.08

Dividend

Metric ASIC STC Insurance Property & Casualty median
Dividend yield — 4.04% 1.50%
Payout ratio — 0.47 0.14

Size

Metric ASIC STC Insurance Property & Casualty median
Market cap 1.29b 1.59b 2.67b

Compare with another peer

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