HCI Group, Inc. (HCI) vs Stewart Information Services Corporation (STC)

HCI Group, Inc. and Stewart Information Services Corporation are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.4B against $1.6B — 1.5× the size. HCI Group, Inc. trades at the lower P/E: 8.3× against 11.5×. HCI Group, Inc. grew revenue faster over the last twelve months: 22.8% against 22.5%. HCI Group, Inc. has the higher net margin (31.3% vs 4.12%) and the higher return on invested capital (79.2% vs 9.12%). Both pay a dividend; Stewart Information Services Corporation yields more (4.04% vs 0.81%). Across the 21 metrics below, HCI Group, Inc. leads on 16 and Stewart Information Services Corporation on 5.

Valuation

Metric HCI STC Insurance Property & Casualty median
P/E 8.27 11.52 10.75
P/S 2.55 0.49 1.21
P/B 2.07 0.96 1.99
Price to free cash flow 5.96 10.87 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.09% 8.68% 9.08%
Free cash flow yield 16.78% 9.20% 12.11%

Profitability

Metric HCI STC Insurance Property & Casualty median
Gross margin 59.73% 64.35% 41.16%
Operating margin 48.84% 9.19% 15.09%
Net margin 31.32% 4.12% 11.51%
Free cash flow margin 42.99% 4.50% 17.46%
Return on equity 30.46% 8.64% 17.34%
Return on assets 11.92% 4.44% 3.74%
Return on invested capital 79.17% 9.12% 12.06%

Growth

Metric HCI STC Insurance Property & Casualty median
Revenue growth (TTM) 22.77% 22.49% 8.02%
EPS growth (last fiscal year) 155.57% 55.17% 39.61%
Revenue growth, 5-year CAGR 23.75% 5.01% 9.23%
Net income growth, 5-year CAGR 61.50% (5.70%) 10.09%

Health

Metric HCI STC Insurance Property & Casualty median
Debt to equity 0.06 0.39 0.25
Current ratio 0.69 1.81 0.42
Net debt to EBITDA (2.56) 0.99 0.08

Dividend

Metric HCI STC Insurance Property & Casualty median
Dividend yield 0.81% 4.04% 1.50%
Payout ratio 0.07 0.47 0.14

Size

Metric HCI STC Insurance Property & Casualty median
Market cap 2.44b 1.59b 2.67b

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