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Hagerty, Inc. (HGTY) vs Palomar Holdings, Inc. (PLMR)

Hagerty, Inc. and Palomar Holdings, Inc. are both Insurance Property & Casualty companies. Hagerty, Inc. is the larger, with a market value of $5.3B against $3.6B — 1.5× the size. Palomar Holdings, Inc. trades at the lower P/E: 18.2× against 95.6×. Palomar Holdings, Inc. grew revenue faster over the last twelve months: 60.0% against 3.75%. Palomar Holdings, Inc. has the higher net margin (18.6% vs 1.25%) and the higher return on invested capital (13.5% vs 0.00%). Across the 20 metrics below, Palomar Holdings, Inc. leads on 12 and Hagerty, Inc. on 8.

Valuation

Metric HGTY PLMR Insurance Property & Casualty median
P/E 95.63 18.20 10.75
P/S 1.10 3.37 1.21
P/B 2.40 3.75 1.99
Price to free cash flow 5.59 9.01 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.05% 5.49% 9.08%
Free cash flow yield 17.88% 11.10% 12.11%

Profitability

Metric HGTY PLMR Insurance Property & Casualty median
Gross margin 100.00% 24.87% 41.16%
Operating margin 13.39% 24.87% 15.09%
Net margin 1.25% 18.61% 11.51%
Free cash flow margin 19.68% 37.41% 17.46%
Return on equity 2.88% 22.23% 17.34%
Return on assets 0.84% 5.98% 3.74%
Return on invested capital 0.00% 13.54% 12.06%

Growth

Metric HGTY PLMR Insurance Property & Casualty median
Revenue growth (TTM) 3.75% 59.98% 8.02%
EPS growth (last fiscal year) 270.00% 60.04% 39.61%
Revenue growth, 5-year CAGR 23.86% 39.06% 9.23%
Net income growth, 5-year CAGR 32.47% 99.37% 10.09%

Health

Metric HGTY PLMR Insurance Property & Casualty median
Debt to equity 0.40 0.30 0.25
Current ratio 1.53 0.50 0.42
Net debt to EBITDA (3.42) (0.41) 0.08

Dividend

Metric HGTY PLMR Insurance Property & Casualty median
Dividend yield — 0.32% 1.50%
Payout ratio — 0.06 0.14

Size

Metric HGTY PLMR Insurance Property & Casualty median
Market cap 5.26b 3.62b 2.67b

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