Skyward Specialty Insurance Group, Inc. (SKWD) vs Stewart Information Services Corporation (STC)

Skyward Specialty Insurance Group, Inc. and Stewart Information Services Corporation are both Insurance Property & Casualty companies. Skyward Specialty Insurance Group, Inc. is the larger, with a market value of $2.4B against $1.8B — 1.3× the size. Skyward Specialty Insurance Group, Inc. trades at the lower P/E: 12.4× against 13.0×. Skyward Specialty Insurance Group, Inc. grew revenue faster over the last twelve months: 38.3% against 22.5%. Skyward Specialty Insurance Group, Inc. has the higher net margin (10.8% vs 4.12%) and the higher return on invested capital (10.9% vs 9.12%). Across the 20 metrics below, Skyward Specialty Insurance Group, Inc. leads on 12 and Stewart Information Services Corporation on 8.

Valuation

Metric SKWD STC Insurance Property & Casualty median
P/E 12.39 12.98 10.29
P/S 1.41 0.55 1.17
P/B 1.92 1.08 1.83
Price to free cash flow 6.13 12.24 7.48
EV/EBITDA 9.76 6.01 7.49
EV/Sales 1.47 0.67 1.13
Earnings yield 8.07% 7.70% 9.50%
Free cash flow yield 16.33% 8.17% 13.29%

Profitability

Metric SKWD STC Insurance Property & Casualty median
Gross margin 44.14% 64.35% 41.16%
Operating margin 15.09% 9.19% 15.09%
Net margin 10.84% 4.12% 11.51%
Free cash flow margin 23.20% 4.50% 17.59%
Return on equity 17.34% 8.64% 18.19%
Return on assets 3.38% 4.44% 3.74%
Return on invested capital 10.89% 9.12% 12.06%

Growth

Metric SKWD STC Insurance Property & Casualty median
Revenue growth (TTM) 38.27% 22.49% 8.69%
EPS growth (last fiscal year) 41.81% 55.17% —
Revenue growth, 5-year CAGR — 5.01% 9.23%
Net income growth, 5-year CAGR — (5.70%) 10.09%

Health

Metric SKWD STC Insurance Property & Casualty median
Debt to equity 0.33 0.39 0.25
Current ratio 0.52 1.81 0.42
Net debt to EBITDA (0.43) 0.99 0.08

Dividend

Metric SKWD STC Insurance Property & Casualty median
Dividend yield — 3.10% 2.79%
Payout ratio — 0.97 0.27

Size

Metric SKWD STC Insurance Property & Casualty median
Market cap 2.44b 1.82b 2.44b

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