Ategrity Specialty Insurance Company Holdings (ASIC) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Ategrity Specialty Insurance Company Holdings and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. UNIVERSAL INSURANCE HOLDINGS INC is the larger, with a market value of $1.3B against $1.2B — 1.1× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.7× against 12.0×. Ategrity Specialty Insurance Company Holdings grew revenue faster over the last twelve months: 29.8% against 5.51%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.9% vs 0.00%) and the higher return on invested capital (188.2% vs 12.4%). Across the 18 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 13 and Ategrity Specialty Insurance Company Holdings on 5.

Valuation

Metric ASIC UVE Insurance Property & Casualty median
P/E 11.97 5.70 12.17
P/S 2.22 0.78 1.26
P/B 1.77 2.02 1.85
Price to free cash flow 5.69 3.61 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.35% 17.55% 8.20%
Free cash flow yield 17.57% 27.69% 11.86%

Profitability

Metric ASIC UVE Insurance Property & Casualty median
Gross margin 0.00% 26.61% 37.39%
Operating margin 24.42% 19.02% 14.67%
Net margin 0.00% 13.94% 10.16%
Free cash flow margin 39.06% 21.63% 18.60%
Return on equity 0.00% 40.76% 16.59%
Return on assets 0.00% 7.41% 3.38%
Return on invested capital 12.42% 188.21% 9.43%

Growth

Metric ASIC UVE Insurance Property & Casualty median
Revenue growth (TTM) 29.76% 5.51% 5.70%
EPS growth (last fiscal year) 23.44% 214.43% 39.61%
Revenue growth, 5-year CAGR — 8.38% 9.23%
Net income growth, 5-year CAGR — 57.14% 10.09%

Health

Metric ASIC UVE Insurance Property & Casualty median
Debt to equity 0.00 0.15 0.25
Current ratio 0.53 0.56 0.49
Net debt to EBITDA (0.30) (1.47) 0.08

Dividend

Metric ASIC UVE Insurance Property & Casualty median
Dividend yield — 1.36% 1.56%
Payout ratio — 0.08 0.15

Size

Metric ASIC UVE Insurance Property & Casualty median
Market cap 1.18b 1.31b 2.64b

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