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 $750.2M against $366.5M — 2.0× the size. Global Indemnity PLC trades at the lower P/E: 10.5× against 12.8×. Root, Inc. grew revenue faster over the last twelve months: 14.9% against 3.83%. Global Indemnity PLC has the higher net margin (7.42% vs 3.71%) and the lower return on invested capital (4.29% vs 85.8%). Across the 21 metrics below, Root, Inc. leads on 15 and Global Indemnity PLC on 6.

Valuation

Metric GBLI ROOT Insurance Property & Casualty median
P/E 10.53 12.78 10.29
P/S 0.78 0.47 1.17
P/B 0.51 2.27 1.83
Price to free cash flow n/m 4.18 7.48
EV/EBITDA 6.31 3.68 7.49
EV/Sales 0.67 0.23 1.13
Earnings yield 9.50% 7.83% 9.50%
Free cash flow yield (9.52%) 23.91% 13.29%

Profitability

Metric GBLI ROOT Insurance Property & Casualty median
Gross margin 16.61% 39.30% 41.16%
Operating margin 9.91% 5.51% 15.09%
Net margin 7.42% 3.71% 11.51%
Free cash flow margin (7.46%) 11.43% 17.59%
Return on equity 4.84% 20.34% 18.19%
Return on assets 1.97% 3.57% 3.74%
Return on invested capital 4.29% 85.75% 12.06%

Growth

Metric GBLI ROOT Insurance Property & Casualty median
Revenue growth (TTM) 3.83% 14.86% 8.69%
EPS growth (last fiscal year) (43.91%) 28.96% —
Revenue growth, 5-year CAGR (7.87%) 34.33% 9.23%
Net income growth, 5-year CAGR (2.95%) 0.00% 10.09%

Health

Metric GBLI ROOT Insurance Property & Casualty median
Debt to equity 0.06 0.45 0.25
Current ratio 0.26 1.01 0.42
Net debt to EBITDA (0.87) (6.65) 0.08

Dividend

Metric GBLI ROOT Insurance Property & Casualty median
Dividend yield 3.36% — 2.79%
Payout ratio 0.38 0.00 0.27

Size

Metric GBLI ROOT Insurance Property & Casualty median
Market cap 366.45m 750.15m 2.44b

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