Global Indemnity PLC (GBLI) vs Root, Inc. (ROOT)

Global Indemnity PLC and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $716.7M against $307.5M — 2.3× the size. Root, Inc. trades at the lower P/E: 9.2× against 10.0×. Root, Inc. grew revenue faster over the last twelve months: 7.89% against 2.97%. Global Indemnity PLC has the higher net margin (6.64% vs 4.96%) and the higher return on invested capital (4.62% vs 0.00%). Across the 18 metrics below, Root, Inc. leads on 13 and Global Indemnity PLC on 5.

Valuation

Metric GBLI ROOT Insurance Property & Casualty median
P/E 10.02 9.21 12.17
P/S 0.67 0.45 1.26
P/B 0.43 2.15 1.85
Price to free cash flow n/m 4.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.98% 10.86% 8.20%
Free cash flow yield (9.11%) 23.92% 11.86%

Profitability

Metric GBLI ROOT Insurance Property & Casualty median
Gross margin 0.00% 39.44% 37.39%
Operating margin 8.96% 6.68% 14.67%
Net margin 6.64% 4.96% 10.16%
Free cash flow margin (6.07%) 10.86% 18.60%
Return on equity 0.00% 26.15% 16.59%
Return on assets 1.77% 4.67% 3.38%
Return on invested capital 4.62% 0.00% 9.43%

Growth

Metric GBLI ROOT Insurance Property & Casualty median
Revenue growth (TTM) 2.97% 7.89% 5.70%
EPS growth (last fiscal year) (43.91%) 28.96% 39.61%
Revenue growth, 5-year CAGR (5.06%) 34.33% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric GBLI ROOT Insurance Property & Casualty median
Debt to equity 0.03 0.45 0.25
Current ratio 0.26 1.01 0.49
Net debt to EBITDA (0.87) (6.65) 0.08

Dividend

Metric GBLI ROOT Insurance Property & Casualty median
Dividend yield 6.65% — 1.56%
Payout ratio 0.67 — 0.15

Size

Metric GBLI ROOT Insurance Property & Casualty median
Market cap 307.45m 716.74m 2.64b

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