Porch Group, Inc. (PRCH) vs Safety Insurance Group, Inc. (SAFT)

Porch Group, Inc. and Safety Insurance Group, Inc. are both Insurance Property & Casualty companies. Porch Group, Inc. is the larger, with a market value of $2.3B against $1.5B — 1.5× the size. Safety Insurance Group, Inc. trades at the lower P/E: 22.4× against 344×. Porch Group, Inc. grew revenue faster over the last twelve months: 15.6% against 7.21%. Safety Insurance Group, Inc. has the higher net margin (5.33% vs 1.81%) and the lower return on invested capital (6.55% vs 7.73%). Across the 20 metrics below, Porch Group, Inc. leads on 10 and Safety Insurance Group, Inc. on 10.

Valuation

Metric PRCH SAFT Insurance Property & Casualty median
P/E 343.94 22.42 12.17
P/S 4.37 1.18 1.26
P/B 78.18 1.73 1.85
Price to free cash flow 24.29 8.62 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 0.29% 4.46% 8.20%
Free cash flow yield 4.12% 11.61% 11.86%

Profitability

Metric PRCH SAFT Insurance Property & Casualty median
Gross margin 72.06% 7.63% 37.39%
Operating margin 7.97% 6.99% 14.67%
Net margin 1.81% 5.33% 10.16%
Free cash flow margin 18.60% 13.66% 18.60%
Return on equity 47.80% 7.84% 16.59%
Return on assets 1.16% 2.82% 3.38%
Return on invested capital 7.73% 6.55% 9.43%

Growth

Metric PRCH SAFT Insurance Property & Casualty median
Revenue growth (TTM) 15.64% 7.21% 5.70%
EPS growth (last fiscal year) 90.90% 40.17% 39.61%
Revenue growth, 5-year CAGR 46.17% 8.35% 9.23%
Net income growth, 5-year CAGR 0.00% (6.41%) 10.09%

Health

Metric PRCH SAFT Insurance Property & Casualty median
Debt to equity 13.63 0.06 0.25
Current ratio 1.46 0.40 0.49
Net debt to EBITDA 5.36 (0.18) 0.08

Dividend

Metric PRCH SAFT Insurance Property & Casualty median
Dividend yield — 3.53% 1.56%
Payout ratio — 0.79 0.15

Size

Metric PRCH SAFT Insurance Property & Casualty median
Market cap 2.32b 1.53b 2.64b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack