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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 $1.2B against $926.2M — 1.3× the size. United Fire Group, Inc trades at the lower P/E: 9.0× against 28.3×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 20.6% against 11.6%. United Fire Group, Inc has the higher net margin (9.06% vs 5.90%) and the lower return on invested capital (0.00% vs 11.8%). Across the 19 metrics below, United Fire Group, Inc leads on 12 and Hippo Holdings Inc. on 7.

Valuation

Metric HIPO UFCS Insurance Property & Casualty median
P/E 28.34 9.03 12.17
P/S 1.69 0.80 1.26
P/B 1.96 1.24 1.85
Price to free cash flow 8.31 3.93 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 11.08% 8.20%
Free cash flow yield 12.04% 25.45% 11.86%

Profitability

Metric HIPO UFCS Insurance Property & Casualty median
Gross margin 100.00% 34.30% 37.39%
Operating margin 6.63% 12.08% 14.67%
Net margin 5.90% 9.06% 10.16%
Free cash flow margin 20.97% 20.42% 18.60%
Return on equity 7.19% 14.90% 16.59%
Return on assets 1.38% 3.49% 3.38%
Return on invested capital 11.84% 0.00% 9.43%

Growth

Metric HIPO UFCS Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 11.58% 5.70%
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 0.00 0.25
Current ratio 0.96 0.34 0.49
Net debt to EBITDA 38.15 (0.06) 0.08

Dividend

Metric HIPO UFCS Insurance Property & Casualty median
Dividend yield — 1.61% 1.56%
Payout ratio — 0.15 0.15

Size

Metric HIPO UFCS Insurance Property & Casualty median
Market cap 926.17m 1.22b 2.64b

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