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 $2.2B against $1.8B — 1.2× the size. HCI Group, Inc. trades at the lower P/E: 7.3× against 13.0×. 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 (3.10% vs 1.76%). Across the 23 metrics below, HCI Group, Inc. leads on 17 and Stewart Information Services Corporation on 6.

Valuation

Metric HCI STC Insurance Property & Casualty median
P/E 7.30 12.98 10.29
P/S 2.25 0.55 1.17
P/B 1.83 1.08 1.83
Price to free cash flow 5.27 12.24 7.48
EV/EBITDA 2.83 6.01 7.49
EV/Sales 1.40 0.67 1.13
Earnings yield 13.69% 7.70% 9.50%
Free cash flow yield 18.99% 8.17% 13.29%

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% 17.59%
Return on equity 30.46% 8.64% 18.19%
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% 8.69%
EPS growth (last fiscal year) 155.57% 55.17% —
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 1.76% 3.10% 2.79%
Payout ratio 7.62 0.97 0.27

Size

Metric HCI STC Insurance Property & Casualty median
Market cap 2.20b 1.82b 2.44b

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