American National Insurance (NASDAQ:ANAT) and UTG (OTCMKTS:UTGN) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, profitability, risk, analyst recommendations, dividends, valuation and institutional ownership.
American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.9%. UTG does not pay a dividend.
63.0% of American National Insurance shares are held by institutional investors. 23.5% of American National Insurance shares are held by insiders. Comparatively, 67.3% of UTG shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
This table compares American National Insurance and UTG’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American National Insurance||10.92%||4.29%||0.84%|
This is a breakdown of current ratings and target prices for American National Insurance and UTG, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American National Insurance||0||0||0||0||N/A|
Valuation & Earnings
This table compares American National Insurance and UTG’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|American National Insurance||$3.33 billion||0.91||$158.99 million||N/A||N/A|
|UTG||$41.27 million||2.49||$12.39 million||N/A||N/A|
American National Insurance has higher revenue and earnings than UTG.
Risk & Volatility
American National Insurance has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500. Comparatively, UTG has a beta of 0.02, suggesting that its stock price is 98% less volatile than the S&P 500.
American National Insurance Company Profile
American National Insurance Company, together with its subsidiaries, provides various insurance products and services in the United States, the District of Columbia, and Puerto Rico. The company's Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. Its Annuity segment provides deferred, variable, and single premium immediate annuity products. The company's Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance. Its Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; and commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business within the rural and suburban markets, as well as business owners, property, liability, mortgage security insurance, and workers' compensation coverages. This segment also offers credit-related property insurance products comprising collateral or creditor protection insurance; and guaranteed auto protection or guaranteed asset protection insurance. The company distributes its products through career and multiple-line agents, broker-dealers, independent insurance agents and brokers, managing general underwriters, marketing organizations, employee benefit firms, and financial institutions, as well as through direct marketing channels, Internet, and call centers. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.
UTG Company Profile
UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. The company also offers reinsurance products. The company was founded in 1984 and is headquartered in Stanford, Kentucky.
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