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HCI Group, Inc. (HCI) vs Palomar Holdings, Inc. (PLMR)

HCI Group, Inc. and Palomar Holdings, Inc. are both Insurance Property & Casualty companies. Palomar Holdings, Inc. is the larger, with a market value of $4.1B against $2.4B — 1.7× the size. HCI Group, Inc. trades at the lower P/E: 7.5× against 20.2×. Palomar Holdings, Inc. grew revenue faster over the last twelve months: 60.0% against 20.1%. Palomar Holdings, Inc. has the higher net margin (18.6% vs 0.00%) and the lower return on invested capital (13.5% vs 56.7%). Both pay a dividend; HCI Group, Inc. yields more (0.83% vs 0.29%). Across the 21 metrics below, HCI Group, Inc. leads on 15 and Palomar Holdings, Inc. on 6.

Valuation

Metric HCI PLMR Insurance Property & Casualty median
P/E 7.50 20.18 12.17
P/S 2.38 3.74 1.26
P/B 1.91 4.16 1.85
Price to free cash flow 5.11 9.99 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.33% 4.95% 8.20%
Free cash flow yield 19.58% 10.01% 11.86%

Profitability

Metric HCI PLMR Insurance Property & Casualty median
Gross margin 60.98% 24.87% 37.39%
Operating margin 50.08% 24.87% 14.67%
Net margin 0.00% 18.61% 10.16%
Free cash flow margin 46.70% 37.41% 18.60%
Return on equity 0.00% 22.23% 16.59%
Return on assets 0.00% 5.98% 3.38%
Return on invested capital 56.67% 13.54% 9.43%

Growth

Metric HCI PLMR Insurance Property & Casualty median
Revenue growth (TTM) 20.10% 59.98% 5.70%
EPS growth (last fiscal year) 155.57% 60.04% 39.61%
Revenue growth, 5-year CAGR 23.75% 39.06% 9.23%
Net income growth, 5-year CAGR 61.50% 99.37% 10.09%

Health

Metric HCI PLMR Insurance Property & Casualty median
Debt to equity 0.06 0.30 0.25
Current ratio 0.69 0.50 0.49
Net debt to EBITDA (2.56) (0.41) 0.08

Dividend

Metric HCI PLMR Insurance Property & Casualty median
Dividend yield 0.83% 0.29% 1.56%
Payout ratio 0.06 0.06 0.15

Size

Metric HCI PLMR Insurance Property & Casualty median
Market cap 2.39b 4.10b 2.64b

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