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 $1.5B against $1.2B — 1.2× the size. United Fire Group, Inc trades at the lower P/E: 9.0× against 12.2×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 20.6% against 11.6%. United Fire Group, Inc has the higher net margin (9.06% vs 3.58%) and the lower return on invested capital (0.00% vs 8.33%). Both pay a dividend; Stewart Information Services Corporation yields more (4.37% vs 1.61%). Across the 21 metrics below, United Fire Group, Inc leads on 13 and Stewart Information Services Corporation on 8.

Valuation

Metric STC UFCS Insurance Property & Casualty median
P/E 12.20 9.03 12.17
P/S 0.44 0.80 1.26
P/B 0.88 1.24 1.85
Price to free cash flow 10.07 3.93 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.20% 11.08% 8.20%
Free cash flow yield 9.93% 25.45% 11.86%

Profitability

Metric STC UFCS Insurance Property & Casualty median
Gross margin 64.86% 34.30% 37.39%
Operating margin 8.64% 12.08% 14.67%
Net margin 3.58% 9.06% 10.16%
Free cash flow margin 0.00% 20.42% 18.60%
Return on equity 7.63% 14.90% 16.59%
Return on assets 3.93% 3.49% 3.38%
Return on invested capital 8.33% 0.00% 9.43%

Growth

Metric STC UFCS Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 11.58% 5.70%
EPS growth (last fiscal year) 55.17% 87.45% 39.61%
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 0.00 0.25
Current ratio 1.63 0.34 0.49
Net debt to EBITDA 0.99 (0.06) 0.08

Dividend

Metric STC UFCS Insurance Property & Casualty median
Dividend yield 4.37% 1.61% 1.56%
Payout ratio 0.53 0.15 0.15

Size

Metric STC UFCS Insurance Property & Casualty median
Market cap 1.50b 1.22b 2.64b

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