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 $716.7M against $25.6M — 28.0× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Root, Inc. trades at 8.7×. Root, Inc. grew revenue faster over the last twelve months: 7.89% against −49.0%. Root, Inc. has the higher net margin (4.96% vs −49.6%) and the higher return on invested capital (0.00% 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 8.68 11.90
P/S 0.82 0.43 1.24
P/B 0.95 2.04 1.86
Price to free cash flow n/m 4.00 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (145.52%) 11.52% 8.14%
Free cash flow yield (174.77%) 25.02% 11.91%

Profitability

Metric PRHI ROOT Insurance Property & Casualty median
Gross margin (8.27%) 39.44% 39.44%
Operating margin (35.38%) 6.68% 14.71%
Net margin (49.57%) 4.96% 10.47%
Free cash flow margin (143.99%) 10.79% 18.60%
Return on equity (56.67%) 26.15% 16.87%
Return on assets (6.27%) 4.67% 3.49%
Return on invested capital (36.11%) 0.00% 11.84%

Growth

Metric PRHI ROOT Insurance Property & Casualty median
Revenue growth (TTM) (49.03%) 7.89% 5.51%
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 1.09 0.49
Net debt to EBITDA 0.98 (6.65) 0.08

Dividend

Metric PRHI ROOT Insurance Property & Casualty median
Dividend yield — — 1.59%
Payout ratio — — 0.15

Size

Metric PRHI ROOT Insurance Property & Casualty median
Market cap 25.59m 716.74m 2.62b

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