Hippo Holdings Inc. (HIPO) vs Kingstone Companies, Inc (KINS)

Hippo Holdings Inc. and Kingstone Companies, Inc are both Insurance Property & Casualty companies. Hippo Holdings Inc. is the larger, with a market value of $926.2M against $274.5M — 3.4× the size. Kingstone Companies, Inc trades at the lower P/E: 6.9× against 28.6×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 24.5% against 20.6%. Kingstone Companies, Inc has the higher net margin (16.8% vs 5.90%) and the higher return on invested capital (27.8% vs 11.8%). Across the 19 metrics below, Kingstone Companies, Inc leads on 15 and Hippo Holdings Inc. on 4.

Valuation

Metric HIPO KINS Insurance Property & Casualty median
P/E 28.64 6.93 11.90
P/S 1.71 1.17 1.24
P/B 1.98 2.14 1.86
Price to free cash flow 8.39 3.71 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.49% 14.43% 8.14%
Free cash flow yield 11.91% 26.97% 11.91%

Profitability

Metric HIPO KINS Insurance Property & Casualty median
Gross margin 100.00% 100.00% 39.44%
Operating margin 6.63% 21.28% 14.71%
Net margin 5.90% 16.83% 10.47%
Free cash flow margin 20.97% 32.89% 18.60%
Return on equity 7.19% 34.38% 16.87%
Return on assets 1.38% 9.16% 3.49%
Return on invested capital 11.84% 27.80% 11.84%

Growth

Metric HIPO KINS Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 24.46% 5.51%
EPS growth (last fiscal year) 235.37% 94.59% 39.61%
Revenue growth, 5-year CAGR 55.46% 10.34% 9.23%
Net income growth, 5-year CAGR 0.00% 111.10% 10.09%

Health

Metric HIPO KINS Insurance Property & Casualty median
Debt to equity 0.10 0.03 0.25
Current ratio 0.96 0.34 0.49
Net debt to EBITDA 38.15 (0.14) 0.08

Dividend

Metric HIPO KINS Insurance Property & Casualty median
Dividend yield — 1.04% 1.59%
Payout ratio — 0.07 0.15

Size

Metric HIPO KINS Insurance Property & Casualty median
Market cap 926.17m 274.47m 2.62b

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