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 $798.0M against $662.3M — 1.2× the size. Hippo Holdings Inc. trades at the lower P/E: 6.4× against 9.2×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 19.3% against −3.14%. Hippo Holdings Inc. has the higher net margin (23.9% vs 7.38%) and the higher return on invested capital (8.68% vs 8.21%). Across the 22 metrics below, Hippo Holdings Inc. leads on 12 and Donegal Group, Inc. on 10.

Valuation

Metric DGICA HIPO Insurance Property & Casualty median
P/E 9.23 6.39 10.29
P/S 0.70 1.58 1.17
P/B 1.01 1.72 1.83
Price to free cash flow 11.48 14.61 7.48
EV/EBITDA 7.44 17.21 7.49
EV/Sales 0.71 1.14 1.13
Earnings yield 10.83% 15.65% 9.50%
Free cash flow yield 8.71% 6.84% 13.29%

Profitability

Metric DGICA HIPO Insurance Property & Casualty median
Gross margin 24.57% 100.00% 41.16%
Operating margin 9.25% 6.62% 15.09%
Net margin 7.38% 23.92% 11.51%
Free cash flow margin 6.06% 11.47% 17.59%
Return on equity 11.18% 30.34% 18.19%
Return on assets 2.91% 6.03% 3.74%
Return on invested capital 8.21% 8.68% 12.06%

Growth

Metric DGICA HIPO Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) 19.34% 8.69%
EPS growth (last fiscal year) 42.48% 235.37% —
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 0.95 0.42
Net debt to EBITDA 0.08 38.15 0.08

Dividend

Metric DGICA HIPO Insurance Property & Casualty median
Dividend yield 4.70% — 2.79%
Payout ratio 6.45 0.00 0.27

Size

Metric DGICA HIPO Insurance Property & Casualty median
Market cap 662.34m 798.01m 2.44b

Compare with another peer

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