Donegal Group, Inc. (DGICB) 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 $930.5M against $446.3M — 2.1× the size. Hippo Holdings Inc. trades at the lower P/E: 7.4× against 10.7×. 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 20 metrics below, Hippo Holdings Inc. leads on 12 and Donegal Group, Inc. on 8.

Valuation

Metric DGICB HIPO Insurance Property & Casualty median
P/E 10.72 7.37 10.75
P/S 0.73 1.82 1.21
P/B 1.06 1.99 1.99
Price to free cash flow 12.11 16.84 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.32% 13.58% 9.08%
Free cash flow yield 8.26% 5.94% 12.11%

Profitability

Metric DGICB 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% 17.46%
Return on equity 11.18% 30.34% 17.34%
Return on assets 2.91% 6.03% 3.74%
Return on invested capital 8.21% 8.68% 12.06%

Growth

Metric DGICB HIPO Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) 19.34% 8.02%
EPS growth (last fiscal year) 45.65% 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 DGICB 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 DGICB HIPO Insurance Property & Casualty median
Dividend yield — — 1.50%
Payout ratio — — 0.14

Size

Metric DGICB HIPO Insurance Property & Casualty median
Market cap 446.25m 930.49m 2.67b

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