American Coastal Insurance vs Heritage Insurance
ACIC and HRTG 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 ACIC and HRTG compare
Heritage Insurance is the larger company, worth 2.0 times as much as American Coastal Insurance ($1.0B against $498M).
On earnings, Heritage Insurance is cheaper: it trades at 4.7× trailing earnings, against 5.8× for American Coastal Insurance.
Heritage Insurance grew revenue faster over the last twelve months (2.3% versus −5.3% for American Coastal Insurance).
American Coastal Insurance keeps more of each dollar of sales as profit, with a net margin of 28.0% compared with 25.1% at Heritage Insurance.
American Coastal Insurance pays a dividend yielding 7.3%; Heritage Insurance does not pay one.
American Coastal Insurance scores higher on the StockData Score (17 against 11 for Heritage 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 | ACIC | HRTG |
|---|---|---|
| Size and price | ||
| Market cap | $498M | $1.0B |
| Share price | $10.27 | $33.68 |
| Change, 1 year | −14.7% | 12.9% |
| Change, 5 years | 123% | 417% |
| Beta (5Y) | 0.61 | 0.72 |
| Employees | 68 | 250 |
| StockData Score | ||
| Total score | 17 (better) | 11 |
| Valuation score | 5 | 5 |
| Growth score | 1 (better) | 0 |
| Performance score | 4 | 5 (better) |
| Health score | 2 (better) | 1 |
| Dividend score | 5 (better) | 0 |
| Valuation | ||
| P/E | 5.8× | 4.7× (better) |
| P/S | 1.6× | 1.2× (better) |
| P/B | 1.4× (better) | 1.7× |
| EV/EBITDA | 3.0× | 1.6× (better) |
| P/FCF | 7.2× | 5.4× (better) |
| FCF yield | 13.9% | 18.4% (better) |
| Fair value | $14.16 | $42.48 |
| Margin of safety | 27.5% (better) | 20.7% |
| Growth | ||
| Revenue growth (TTM) | −5.3% | 2.3% (better) |
| Revenue growth, 5Y average | −16.9% | 7.4% (better) |
| Net income growth (TTM) | 2.2% | 44.8% (better) |
| EPS growth (TTM) | 2.9% | 47.2% (better) |
| EPS growth, 5Y average | – | 80.5% |
| Profitability | ||
| Operating margin | 37.7% (better) | 34.1% |
| Net margin | 28.0% (better) | 25.1% |
| FCF margin | 22.2% (better) | 21.4% |
| Return on equity | 25.5% | 41.7% (better) |
| Return on invested capital | 53.4% | – |
| Financial health | ||
| Debt / equity | 0.42 | – |
| Net debt / EBITDA | −1.22 | – |
| Interest coverage | 12.1× | 43.7× (better) |
| Altman Z-score | 0.95 | 1.44 (better) |
| Piotroski F-score | 3 | 4 (better) |
| Dividends and buybacks | ||
| Dividend yield | 7.3% | – |
| Payout ratio | 42.0% | – |
| Years of dividend growth | 1 | – |
| Buyback yield | −0.02% | 2.6% (better) |
| Shareholder yield | 7.3% (better) | 2.6% |
| Ownership | ||
| Held by institutions | 32.5% | 63.9% |
| Held by insiders | 48.1% | 11.1% |
| Insider net buying, 12 months | −$429K (better) | −$7.5M |
| Short interest, % of float | 6.7% | 2.8% |
Go deeper
- ACIC stock overview
- ACIC income statement
- ACIC valuation and score
- HRTG stock overview
- HRTG income statement
- HRTG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.