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 $782.6M against $355.0M — 2.2× the size. Global Indemnity PLC trades at the lower P/E: 10.3× against 13.6×. 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 18 metrics below, Root, Inc. leads on 12 and Global Indemnity PLC on 6.

Valuation

Metric GBLI ROOT Insurance Property & Casualty median
P/E 10.28 13.60 10.75
P/S 0.76 0.51 1.21
P/B 0.49 2.42 1.99
Price to free cash flow n/m 4.45 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.73% 7.35% 9.08%
Free cash flow yield (9.76%) 22.45% 12.11%

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% 17.46%
Return on equity 4.84% 20.34% 17.34%
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% 8.02%
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 0.06 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 5.77% — 1.50%
Payout ratio 0.60 — 0.14

Size

Metric GBLI ROOT Insurance Property & Casualty median
Market cap 355.03m 782.56m 2.67b

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