Presurance Holdings, Inc. (PRHI) vs Root, Inc. (ROOT)

Presurance Holdings, Inc. and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $782.6M against $30.5M — 25.7× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Root, Inc. trades at 13.6×. Root, Inc. grew revenue faster over the last twelve months: 14.9% against −49.0%. Root, Inc. has the higher net margin (3.71% vs −49.6%) and the higher return on invested capital (85.8% vs −36.1%). Across the 17 metrics below, Root, Inc. leads on 15 and Presurance Holdings, Inc. on 2.

Valuation

Metric PRHI ROOT Insurance Property & Casualty median
P/E n/m 13.60 10.75
P/S 0.93 0.51 1.21
P/B 1.07 2.42 1.99
Price to free cash flow n/m 4.45 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (129.51%) 7.35% 9.08%
Free cash flow yield (155.55%) 22.45% 12.11%

Profitability

Metric PRHI ROOT Insurance Property & Casualty median
Gross margin (8.27%) 39.30% 41.16%
Operating margin (35.38%) 5.51% 15.09%
Net margin (49.57%) 3.71% 11.51%
Free cash flow margin (143.99%) 11.43% 17.46%
Return on equity (56.67%) 20.34% 17.34%
Return on assets (6.27%) 3.57% 3.74%
Return on invested capital (36.11%) 85.75% 12.06%

Growth

Metric PRHI ROOT Insurance Property & Casualty median
Revenue growth (TTM) (49.03%) 14.86% 8.02%
EPS growth (last fiscal year) (178.24%) 28.96% 39.61%
Revenue growth, 5-year CAGR (15.99%) 34.33% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric PRHI ROOT Insurance Property & Casualty median
Debt to equity 0.44 0.45 0.25
Current ratio 0.51 1.01 0.42
Net debt to EBITDA 0.98 (6.65) 0.08

Dividend

Metric PRHI ROOT Insurance Property & Casualty median
Dividend yield — — 1.50%
Payout ratio — — 0.14

Size

Metric PRHI ROOT Insurance Property & Casualty median
Market cap 30.49m 782.56m 2.67b

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