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 $750.2M against $28.9M — 25.9× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Root, Inc. trades at 12.8×. 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 18 metrics below, Root, Inc. leads on 16 and Presurance Holdings, Inc. on 2.

Valuation

Metric PRHI ROOT Insurance Property & Casualty median
P/E n/m 12.78 10.29
P/S 0.87 0.47 1.17
P/B 1.01 2.27 1.83
Price to free cash flow n/m 4.18 7.48
EV/EBITDA n/m 3.68 7.49
EV/Sales 0.86 0.23 1.13
Earnings yield (137.51%) 7.83% 9.50%
Free cash flow yield (165.16%) 23.91% 13.29%

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% 17.59%
Return on equity (56.67%) 20.34% 18.19%
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% 8.69%
EPS growth (last fiscal year) (178.24%) 28.96% —
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 — — 2.79%
Payout ratio 0.00 0.00 0.27

Size

Metric PRHI ROOT Insurance Property & Casualty median
Market cap 28.92m 750.15m 2.44b

Compare with another peer

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