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 $798.0M against $264.9M — 3.0× the size. Hippo Holdings Inc. trades at the lower P/E: 6.4× against 7.4×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against 19.3%. Hippo Holdings Inc. has the higher net margin (23.9% vs 14.9%) and the lower return on invested capital (8.68% vs 24.0%). Across the 21 metrics below, Kingstone Companies, Inc leads on 14 and Hippo Holdings Inc. on 7.

Valuation

Metric HIPO KINS Insurance Property & Casualty median
P/E 6.39 7.36 10.29
P/S 1.58 1.11 1.17
P/B 1.72 2.05 1.83
Price to free cash flow 14.61 3.18 7.48
EV/EBITDA 17.21 5.30 7.49
EV/Sales 1.14 1.06 1.13
Earnings yield 15.65% 13.59% 9.50%
Free cash flow yield 6.84% 31.44% 13.29%

Profitability

Metric HIPO KINS Insurance Property & Casualty median
Gross margin 100.00% 100.00% 41.16%
Operating margin 6.62% 18.74% 15.09%
Net margin 23.92% 14.85% 11.51%
Free cash flow margin 11.47% 34.95% 17.59%
Return on equity 30.34% 31.51% 18.19%
Return on assets 6.03% 8.10% 3.74%
Return on invested capital 8.68% 23.99% 12.06%

Growth

Metric HIPO KINS Insurance Property & Casualty median
Revenue growth (TTM) 19.34% 28.03% 8.69%
EPS growth (last fiscal year) 235.37% 94.59% —
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 0.95 0.34 0.42
Net debt to EBITDA 38.15 (0.14) 0.08

Dividend

Metric HIPO KINS Insurance Property & Casualty median
Dividend yield — 1.37% 2.79%
Payout ratio 0.00 0.62 0.27

Size

Metric HIPO KINS Insurance Property & Casualty median
Market cap 798.01m 264.91m 2.44b

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