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HCI Group, Inc. (HCI) vs Porch Group, Inc. (PRCH)

HCI Group, Inc. and Porch Group, Inc. are both Insurance Property & Casualty companies. HCI Group, Inc. and Porch Group, Inc. are of similar size ($2.4B and $2.3B). HCI Group, Inc. trades at the lower P/E: 7.5× against 344×. HCI Group, Inc. grew revenue faster over the last twelve months: 20.1% against 15.6%. Porch Group, Inc. has the higher net margin (1.81% vs 0.00%) and the lower return on invested capital (7.73% vs 56.7%). Across the 20 metrics below, HCI Group, Inc. leads on 14 and Porch Group, Inc. on 6.

Valuation

Metric HCI PRCH Insurance Property & Casualty median
P/E 7.50 343.94 12.17
P/S 2.38 4.37 1.26
P/B 1.91 78.18 1.85
Price to free cash flow 5.11 24.29 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.33% 0.29% 8.20%
Free cash flow yield 19.58% 4.12% 11.86%

Profitability

Metric HCI PRCH Insurance Property & Casualty median
Gross margin 60.98% 72.06% 37.39%
Operating margin 50.08% 7.97% 14.67%
Net margin 0.00% 1.81% 10.16%
Free cash flow margin 46.70% 18.60% 18.60%
Return on equity 0.00% 47.80% 16.59%
Return on assets 0.00% 1.16% 3.38%
Return on invested capital 56.67% 7.73% 9.43%

Growth

Metric HCI PRCH Insurance Property & Casualty median
Revenue growth (TTM) 20.10% 15.64% 5.70%
EPS growth (last fiscal year) 155.57% 90.90% 39.61%
Revenue growth, 5-year CAGR 23.75% 46.17% 9.23%
Net income growth, 5-year CAGR 61.50% 0.00% 10.09%

Health

Metric HCI PRCH Insurance Property & Casualty median
Debt to equity 0.06 13.63 0.25
Current ratio 0.69 1.46 0.49
Net debt to EBITDA (2.56) 5.36 0.08

Dividend

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

Size

Metric HCI PRCH Insurance Property & Casualty median
Market cap 2.39b 2.32b 2.64b

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