Financial Contrast: ICC (ICCH) and Universal Insurance (UVE)

ICC (NASDAQ:ICCH) and Universal Insurance (NYSE:UVE) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, risk, valuation and analyst recommendations.

Analyst Ratings

This is a breakdown of current recommendations for ICC and Universal Insurance, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ICC 0 0 0 0 N/A
Universal Insurance 0 1 0 0 2.00

Universal Insurance has a consensus target price of $44.00, suggesting a potential upside of 47.16%. Given Universal Insurance’s higher possible upside, analysts plainly believe Universal Insurance is more favorable than ICC.

Dividends

Universal Insurance pays an annual dividend of $0.64 per share and has a dividend yield of 2.1%. ICC does not pay a dividend.

Profitability

This table compares ICC and Universal Insurance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
ICC 2.23% 1.88% 0.75%
Universal Insurance 14.21% 25.50% 7.70%

Valuation & Earnings

This table compares ICC and Universal Insurance’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
ICC $51.16 million 0.89 $890,000.00 N/A N/A
Universal Insurance $823.82 million 1.27 $117.05 million N/A N/A

Universal Insurance has higher revenue and earnings than ICC.

Institutional & Insider Ownership

9.9% of ICC shares are owned by institutional investors. Comparatively, 74.4% of Universal Insurance shares are owned by institutional investors. 25.4% of ICC shares are owned by insiders. Comparatively, 10.6% of Universal Insurance shares are owned 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.

Volatility & Risk

ICC has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500. Comparatively, Universal Insurance has a beta of 1.19, indicating that its share price is 19% more volatile than the S&P 500.

Summary

Universal Insurance beats ICC on 10 of the 12 factors compared between the two stocks.

ICC Company Profile

ICC Holdings, Inc., through its subsidiary, Illinois Casualty Company, provides property and casualty insurance products to the food and beverage industry in the United States. The company offers commercial multi-peril, liquor liability, workers' compensation, and umbrella liability insurance products. It also rents real estate properties. The company markets its products through a network of 160 independent agents in Colorado, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Ohio, and Wisconsin. ICC Holdings, Inc. was founded in 1950 and is headquartered in Rock Island, Illinois.

Universal Insurance Company Profile

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential homeowner's insurance. It also provides personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire, and commercial residential multi-peril; and allied lines, coverage for other structures, and personal property, as well as liability and personal articles coverages. In addition, the company offers policy and claims administration, and reinsurance intermediary services, as well as operates Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. It provides its products through a network of independent agents. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was founded in 1990 and is headquartered in Fort Lauderdale, Florida.

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