Orion180 Insurance Group Inc. (OIG) vs United Fire Group, Inc (UFCS)

Orion180 Insurance Group 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 $874.5M — 1.4× the size.

Valuation

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

Profitability

Metric OIG UFCS Insurance Property & Casualty median
Gross margin — 34.30% 37.39%
Operating margin — 12.08% 14.67%
Net margin — 9.06% 10.16%
Free cash flow margin — 20.42% 18.60%
Return on equity — 14.90% 16.59%
Return on assets — 3.49% 3.38%
Return on invested capital — 0.00% 9.43%

Growth

Metric OIG UFCS Insurance Property & Casualty median
Revenue growth (TTM) — 11.58% 5.70%
EPS growth (last fiscal year) — 87.45% 39.61%
Revenue growth, 5-year CAGR — 5.34% 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric OIG UFCS Insurance Property & Casualty median
Debt to equity — 0.00 0.25
Current ratio — 0.34 0.49
Net debt to EBITDA — (0.06) 0.08

Dividend

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

Size

Metric OIG UFCS Insurance Property & Casualty median
Market cap 874.45m 1.22b 2.64b

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