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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 2.7x - 3.0x | 2.8x |
| Historical Pb Multiple | 0.4x - 3.5x | 0.8x |
| Fair Value | $13.06 - $14.43 | $13.75 |
| Upside | -26.7% - -19.0% | -22.9% |
| Benchmarks | - | Full Ticker |
| Root, Inc. | - | NasdaqGS:ROOT |
| Hippo Holdings Inc. | - | NYSE:HIPO |
| Citizens, Inc. | - | NYSE:CIA |
| Lemonade, Inc. | - | NYSE:LMND |
| Heritage Insurance Holdings, Inc. | - | NYSE:HRTG |
| Kingstone Companies, Inc. | - | NasdaqCM:KINS |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| ROOT | HIPO | CIA | LMND | HRTG | KINS | |||
| NasdaqGS:ROOT | NYSE:HIPO | NYSE:CIA | NYSE:LMND | NYSE:HRTG | NasdaqCM:KINS | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | NM- | NM- | NM- | NM- | 16.5% | NM- | ||
| 3Y CAGR | NM- | NM- | -41.0% | NM- | NM- | NM- | ||
| Latest Twelve Months | 119.8% | 85.2% | -39.0% | 14.6% | 35.8% | 397.6% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | -86.3% | -247.0% | 8.1% | -115.5% | -4.0% | -3.6% | ||
| Prior Fiscal Year | -32.4% | -130.2% | 10.2% | -55.1% | 6.2% | -4.3% | ||
| Latest Fiscal Year | 2.5% | -10.9% | 6.1% | -38.4% | 7.5% | 11.8% | ||
| Latest Twelve Months | 2.5% | -10.9% | 6.1% | -38.4% | 7.5% | 11.8% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | -69.2% | -50.5% | 12.3% | -30.5% | -7.4% | -8.9% | ||
| Prior Fiscal Year | -66.6% | -56.4% | 16.3% | -30.1% | 25.8% | -17.5% | ||
| Latest Twelve Months | 15.8% | -10.9% | 7.8% | -31.1% | 24.1% | 36.3% | ||
| Next Fiscal Year | -2.9% | -6.8% | 7.1% | -40.1% | 21.2% | 33.9% | ||
| Two Fiscal Years Forward | 15.1% | -4.6% | 8.2% | -49.3% | 21.7% | 32.6% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 1.6x | 1.6x | 1.0x | 4.1x | 0.8x | 1.5x | ||
| Price / LTM EPS | 63.4x | -14.9x | 16.1x | -10.8x | 10.3x | 12.7x | ||
| Price / Book | 9.1x | 1.7x | 1.1x | 3.7x | 2.2x | 3.5x | ||
| Price / Fwd Book | 10.4x | 2.0x | 1.1x | 5.9x | 1.8x | 2.6x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.1x | 2.2x | 9.1x | |||||
| Historical P/B Ratio | 0.4x | 0.8x | 3.5x | |||||
| Selected P/B Multiple | 2.7x | 2.8x | 3.0x | |||||
| (x) Book Value | 67 | 67 | 67 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | ROOT | HIPO | CIA | LMND | HRTG | KINS | |
| Value of Common Equity | 1,903 | 622 | 240 | 2,330 | 645 | 245 | |
| (/) Shares Outstanding | 15.2 | 25.1 | 49.9 | 72.8 | 41.5 | 13.7 | |
| Implied Stock Price | 125.17 | 24.80 | 4.81 | 31.99 | 15.53 | 17.82 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 125.17 | 24.80 | 4.81 | 31.99 | 15.53 | 17.82 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |