Hippo Holdings Inc. (HIPO) vs United Fire Group, Inc (UFCS)

Hippo Holdings Inc. and United Fire Group, Inc are both Insurance Property & Casualty companies. United Fire Group, Inc is the larger, with a market value of $1.4B against $930.5M — 1.5× the size. Hippo Holdings Inc. trades at the lower P/E: 7.4× against 10.5×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 19.3% against 11.4%. Hippo Holdings Inc. has the higher net margin (23.9% vs 9.57%) and the lower return on invested capital (8.68% vs 12.0%). Across the 19 metrics below, Hippo Holdings Inc. leads on 11 and United Fire Group, Inc on 8.

Valuation

Metric HIPO UFCS Insurance Property & Casualty median
P/E 7.37 10.47 10.75
P/S 1.82 0.98 1.21
P/B 1.99 1.48 1.99
Price to free cash flow 16.84 5.39 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.58% 9.55% 9.08%
Free cash flow yield 5.94% 18.57% 12.11%

Profitability

Metric HIPO UFCS Insurance Property & Casualty median
Gross margin 100.00% 35.24% 41.16%
Operating margin 6.62% 12.87% 15.09%
Net margin 23.92% 9.57% 11.51%
Free cash flow margin 11.47% 18.22% 17.46%
Return on equity 30.34% 15.46% 17.34%
Return on assets 6.03% 3.67% 3.74%
Return on invested capital 8.68% 12.03% 12.06%

Growth

Metric HIPO UFCS Insurance Property & Casualty median
Revenue growth (TTM) 19.34% 11.36% 8.02%
EPS growth (last fiscal year) 235.37% 87.45% 39.61%
Revenue growth, 5-year CAGR 55.46% 5.34% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric HIPO UFCS Insurance Property & Casualty median
Debt to equity 0.10 0.15 0.25
Current ratio 0.95 0.34 0.42
Net debt to EBITDA 38.15 (0.06) 0.08

Dividend

Metric HIPO UFCS Insurance Property & Casualty median
Dividend yield — 1.35% 1.50%
Payout ratio — 0.14 0.14

Size

Metric HIPO UFCS Insurance Property & Casualty median
Market cap 930.49m 1.42b 2.67b

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