Stewart Information Services Corporation (STC) vs United Fire Group, Inc (UFCS)

Stewart Information Services Corporation and United Fire Group, Inc are both Insurance Property & Casualty companies. Stewart Information Services Corporation is the larger, with a market value of $1.8B against $1.4B — 1.3× the size. United Fire Group, Inc trades at the lower P/E: 9.9× against 13.0×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 22.5% against 11.4%. United Fire Group, Inc has the higher net margin (9.57% vs 4.12%) and the higher return on invested capital (12.0% vs 9.12%). Both pay a dividend; Stewart Information Services Corporation yields more (3.10% vs 2.93%). Across the 23 metrics below, United Fire Group, Inc leads on 14 and Stewart Information Services Corporation on 9.

Valuation

Metric STC UFCS Insurance Property & Casualty median
P/E 12.98 9.91 10.29
P/S 0.55 0.93 1.17
P/B 1.08 1.40 1.83
Price to free cash flow 12.24 5.10 7.48
EV/EBITDA 6.01 6.85 7.49
EV/Sales 0.67 0.93 1.13
Earnings yield 7.70% 10.09% 9.50%
Free cash flow yield 8.17% 19.60% 13.29%

Profitability

Metric STC UFCS Insurance Property & Casualty median
Gross margin 64.35% 35.24% 41.16%
Operating margin 9.19% 12.87% 15.09%
Net margin 4.12% 9.57% 11.51%
Free cash flow margin 4.50% 18.22% 17.59%
Return on equity 8.64% 15.46% 18.19%
Return on assets 4.44% 3.67% 3.74%
Return on invested capital 9.12% 12.03% 12.06%

Growth

Metric STC UFCS Insurance Property & Casualty median
Revenue growth (TTM) 22.49% 11.36% 8.69%
EPS growth (last fiscal year) 55.17% 87.45% —
Revenue growth, 5-year CAGR 5.01% 5.34% 9.23%
Net income growth, 5-year CAGR (5.70%) 0.00% 10.09%

Health

Metric STC UFCS Insurance Property & Casualty median
Debt to equity 0.39 0.15 0.25
Current ratio 1.81 0.34 0.42
Net debt to EBITDA 0.99 (0.06) 0.08

Dividend

Metric STC UFCS Insurance Property & Casualty median
Dividend yield 3.10% 2.93% 2.79%
Payout ratio 0.97 0.30 0.27

Size

Metric STC UFCS Insurance Property & Casualty median
Market cap 1.82b 1.37b 2.44b

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