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: 7.6× against 28.3×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against 20.6%. Kingstone Companies, Inc has the higher net margin (14.9% vs 5.90%) and the higher return on invested capital (24.0% 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 28.34 7.62 12.17
P/S 1.69 1.15 1.26
P/B 1.96 2.12 1.85
Price to free cash flow 8.31 3.29 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 13.12% 8.20%
Free cash flow yield 12.04% 30.36% 11.86%

Profitability

Metric HIPO KINS Insurance Property & Casualty median
Gross margin 100.00% 100.00% 37.39%
Operating margin 6.63% 18.74% 14.67%
Net margin 5.90% 14.85% 10.16%
Free cash flow margin 20.97% 34.95% 18.60%
Return on equity 7.19% 31.51% 16.59%
Return on assets 1.38% 8.10% 3.38%
Return on invested capital 11.84% 23.99% 9.43%

Growth

Metric HIPO KINS Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 28.03% 5.70%
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 — 1.11% 1.56%
Payout ratio — 0.09 0.15

Size

Metric HIPO KINS Insurance Property & Casualty median
Market cap 926.17m 274.47m 2.64b

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