Hartford Financial Services Group (NYSE:HIG) and 1347 Property Insurance (NASDAQ:PIH) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, analyst recommendations, dividends, earnings, risk, valuation and institutional ownership.
This is a summary of current ratings and recommmendations for Hartford Financial Services Group and 1347 Property Insurance, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Hartford Financial Services Group||0||3||9||0||2.75|
|1347 Property Insurance||0||0||1||0||3.00|
This table compares Hartford Financial Services Group and 1347 Property Insurance’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Hartford Financial Services Group||9.58%||12.46%||2.62%|
|1347 Property Insurance||1.38%||3.94%||1.29%|
Hartford Financial Services Group pays an annual dividend of $1.20 per share and has a dividend yield of 2.2%. 1347 Property Insurance does not pay a dividend. Hartford Financial Services Group pays out 27.7% of its earnings in the form of a dividend. Hartford Financial Services Group has raised its dividend for 6 consecutive years.
Risk and Volatility
Hartford Financial Services Group has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. Comparatively, 1347 Property Insurance has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500.
Institutional & Insider Ownership
91.2% of Hartford Financial Services Group shares are owned by institutional investors. Comparatively, 38.9% of 1347 Property Insurance shares are owned by institutional investors. 1.7% of Hartford Financial Services Group shares are owned by insiders. Comparatively, 47.2% of 1347 Property Insurance shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Hartford Financial Services Group and 1347 Property Insurance’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Hartford Financial Services Group||$18.96 billion||1.02||$1.81 billion||$4.33||12.38|
|1347 Property Insurance||$58.22 million||0.57||$800,000.00||$0.22||25.05|
Hartford Financial Services Group has higher revenue and earnings than 1347 Property Insurance. Hartford Financial Services Group is trading at a lower price-to-earnings ratio than 1347 Property Insurance, indicating that it is currently the more affordable of the two stocks.
Hartford Financial Services Group beats 1347 Property Insurance on 11 of the 17 factors compared between the two stocks.
Hartford Financial Services Group Company Profile
The Hartford Financial Services Group, Inc., through its subsidiaries, provides insurance and financial services to individual and business customers in the United States. Its Commercial Lines segment offers workers' compensation, property, automobile, marine, livestock, liability, and umbrella coverages; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages. This segment provides its products and services through regional offices, branches, sales and policyholder service centers, independent agents, brokers, and wholesalers. The company's Personal Lines segment offers automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment provides coverage for asbestos and environmental exposures. The company's Group Benefits segment offers group life, and accident and disability coverages, as well as other group coverages to members of employer and affinity groups, and associations through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment provides investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment-management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
1347 Property Insurance Company Profile
1347 Property Insurance Holdings, Inc., through its subsidiaries, provides property and casualty insurance products to individuals in Louisiana, Florida, and Texas. The company offers homeowners' insurance, manufactured home insurance, dwelling fire insurance, and wind/hail insurance products, as well as reinsurance products. It offers its insurance policies through a network of independent agents. The company was formerly known as Maison Insurance Holdings, Inc. and changed its name to 1347 Property Insurance Holdings, Inc. in March 2014. 1347 Property Insurance Holdings, Inc. was founded in 2012 and is based in Tampa, Florida.
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