Donegal Group, Inc. (DGICA) vs Hippo Holdings Inc. (HIPO)

Donegal Group, Inc. and Hippo Holdings Inc. are both Insurance Property & Casualty companies. Hippo Holdings Inc. is the larger, with a market value of $926.2M against $732.0M — 1.3× the size. Donegal Group, Inc. trades at the lower P/E: 9.7× against 28.3×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 20.6% against −3.40%. Donegal Group, Inc. has the higher net margin (7.25% vs 5.90%) and the lower return on invested capital (8.10% vs 11.8%). Across the 20 metrics below, Donegal Group, Inc. leads on 11 and Hippo Holdings Inc. on 9.

Valuation

Metric DGICA HIPO Insurance Property & Casualty median
P/E 9.65 28.34 12.17
P/S 0.73 1.69 1.26
P/B 1.06 1.96 1.85
Price to free cash flow 13.76 8.31 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.36% 3.53% 8.20%
Free cash flow yield 7.27% 12.04% 11.86%

Profitability

Metric DGICA HIPO Insurance Property & Casualty median
Gross margin 0.00% 100.00% 37.39%
Operating margin 9.01% 6.63% 14.67%
Net margin 7.25% 5.90% 10.16%
Free cash flow margin 5.34% 20.97% 18.60%
Return on equity 10.73% 7.19% 16.59%
Return on assets 2.83% 1.38% 3.38%
Return on invested capital 8.10% 11.84% 9.43%

Growth

Metric DGICA HIPO Insurance Property & Casualty median
Revenue growth (TTM) (3.40%) 20.55% 5.70%
EPS growth (last fiscal year) 42.48% 235.37% 39.61%
Revenue growth, 5-year CAGR 4.69% 55.46% 9.23%
Net income growth, 5-year CAGR 8.48% 0.00% 10.09%

Health

Metric DGICA HIPO Insurance Property & Casualty median
Debt to equity 0.05 0.10 0.25
Current ratio 0.37 0.96 0.49
Net debt to EBITDA 0.08 38.15 0.08

Dividend

Metric DGICA HIPO Insurance Property & Casualty median
Dividend yield 4.02% — 1.56%
Payout ratio 0.39 — 0.15

Size

Metric DGICA HIPO Insurance Property & Casualty median
Market cap 731.97m 926.17m 2.64b

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