HCI Group, Inc. (HCI) vs Safety Insurance Group, Inc. (SAFT)

HCI Group, Inc. and Safety Insurance Group, Inc. are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.5B against $1.5B — 1.6× the size. HCI Group, Inc. trades at the lower P/E: 8.4× against 22.4×. HCI Group, Inc. grew revenue faster over the last twelve months: 22.8% against 7.21%. HCI Group, Inc. has the higher net margin (31.3% vs 5.33%) and the higher return on invested capital (79.2% vs 6.55%). Both pay a dividend; Safety Insurance Group, Inc. yields more (3.53% vs 0.99%). Across the 21 metrics below, HCI Group, Inc. leads on 17 and Safety Insurance Group, Inc. on 4.

Valuation

Metric HCI SAFT Insurance Property & Casualty median
P/E 8.42 22.42 11.87
P/S 2.60 1.18 1.26
P/B 2.11 1.73 1.99
Price to free cash flow 6.07 8.62 8.12
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.88% 4.46% 8.04%
Free cash flow yield 16.48% 11.60% 11.85%

Profitability

Metric HCI SAFT Insurance Property & Casualty median
Gross margin 59.73% 7.63% 41.66%
Operating margin 48.84% 6.99% 14.71%
Net margin 31.32% 5.33% 10.84%
Free cash flow margin 42.99% 13.66% 17.46%
Return on equity 30.46% 7.84% 16.87%
Return on assets 11.92% 2.82% 3.57%
Return on invested capital 79.17% 6.55% 12.03%

Growth

Metric HCI SAFT Insurance Property & Casualty median
Revenue growth (TTM) 22.77% 7.21% 5.92%
EPS growth (last fiscal year) 155.57% 40.17% 39.61%
Revenue growth, 5-year CAGR 23.75% 8.35% 9.23%
Net income growth, 5-year CAGR 61.50% (6.41%) 10.09%

Health

Metric HCI SAFT Insurance Property & Casualty median
Debt to equity 0.06 0.06 0.25
Current ratio 0.69 0.40 0.42
Net debt to EBITDA (2.56) (0.18) 0.08

Dividend

Metric HCI SAFT Insurance Property & Casualty median
Dividend yield 0.99% 3.53% 1.44%
Payout ratio 0.09 0.79 0.14

Size

Metric HCI SAFT Insurance Property & Casualty median
Market cap 2.51b 1.53b 2.61b

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