American Integrity Insurance vs HCI
AII and HCI side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AII and HCI compare
HCI is the larger company, worth 4.4 times as much as American Integrity Insurance ($2.4B against $547M).
On earnings, American Integrity Insurance is cheaper: it trades at 5.3× trailing earnings, against 7.7× for HCI.
American Integrity Insurance grew revenue faster over the last twelve months (40.7% versus 20.1% for HCI).
HCI keeps more of each dollar of sales as profit, with a net margin of 33.5% compared with 26.6% at American Integrity Insurance.
Both pay dividends: American Integrity Insurance yields 3.7% and HCI 0.84%.
HCI scores higher on the StockData Score (15 against 9 for American Integrity Insurance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AII | HCI |
|---|---|---|
| Size and price | ||
| Market cap | $547M | $2.4B |
| Share price | $27.92 | $191.37 |
| Change, 1 year | 14.1% | 1.0% |
| Change, 5 years | – | 54.9% |
| Beta (5Y) | 0.34 | 0.62 |
| Employees | 62 | 594 |
| StockData Score | ||
| Total score | 9 | 15 (better) |
| Valuation score | 4 (better) | 3 |
| Growth score | 1 | 2 (better) |
| Performance score | 3 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 5.3× (better) | 7.7× |
| P/S | 1.4× (better) | 2.4× |
| P/B | 1.4× (better) | 2.1× |
| EV/EBITDA | 1.6× (better) | 3.5× |
| P/FCF | 1.9× (better) | 5.2× |
| FCF yield | 53.5% (better) | 19.2% |
| Fair value | $43.97 | $236.12 |
| Margin of safety | 36.5% (better) | 19.0% |
| Growth | ||
| Revenue growth (TTM) | 40.7% (better) | 20.1% |
| Revenue growth, 5Y average | – | 23.8% |
| Net income growth (TTM) | 18.5% | 61.0% (better) |
| EPS growth (TTM) | −7.4% | 58.0% (better) |
| EPS growth, 5Y average | – | 45.5% |
| Profitability | ||
| Net margin | 26.6% | 33.5% (better) |
| FCF margin | 75.6% (better) | 46.7% |
| Return on equity | 29.2% | 33.8% (better) |
| Financial health | ||
| Altman Z-score | 0.76 | 1.75 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.7% (better) | 0.84% |
| Payout ratio | – | 6.2% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.00% |
| Buyback yield | – | 3.4% |
| Shareholder yield | 3.7% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 55.0% | 75.4% |
| Held by insiders | 39.9% | 13.8% |
| Insider net buying, 12 months | −$21.7M | – |
| Short interest, % of float | 4.5% | – |
Go deeper
- AII stock overview
- AII income statement
- AII valuation and score
- HCI stock overview
- HCI income statement
- HCI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.