United Fire Group (NASDAQ:UFCS) and Protective Insurance (NASDAQ:PTVCA) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, valuation, earnings, institutional ownership, analyst recommendations, risk and profitability.
United Fire Group pays an annual dividend of $1.24 per share and has a dividend yield of 2.4%. Protective Insurance pays an annual dividend of $1.12 per share and has a dividend yield of 5.7%. United Fire Group has raised its dividend for 4 consecutive years.
Volatility & Risk
United Fire Group has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500. Comparatively, Protective Insurance has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.
Earnings & Valuation
This table compares United Fire Group and Protective Insurance’s revenue, earnings per share and valuation.
United Fire Group has higher revenue and earnings than Protective Insurance.
This table compares United Fire Group and Protective Insurance’s net margins, return on equity and return on assets.
This is a summary of recent recommendations for United Fire Group and Protective Insurance, as provided by MarketBeat.com.
United Fire Group currently has a consensus price target of $53.00, indicating a potential upside of 0.88%. Given United Fire Group’s higher possible upside, research analysts plainly believe United Fire Group is more favorable than Protective Insurance.
Institutional & Insider Ownership
61.0% of United Fire Group shares are held by institutional investors. Comparatively, 1.5% of Protective Insurance shares are held by institutional investors. 6.2% of United Fire Group shares are held by insiders. Comparatively, 28.2% of Protective Insurance shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
United Fire Group beats Protective Insurance on 11 of the 13 factors compared between the two stocks.
About United Fire Group
United Fire Group, Inc., together with its subsidiaries, provides insurance protection for individuals and businesses in the United States. The company operates through two segments, Property and Casualty Insurance, and Life Insurance. The Property and Casualty Insurance segment offers commercial and personal lines of property and casualty insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and surety coverage; and personal lines consists of automobile, and fire and allied lines coverage, including homeowners. The Life Insurance segment underwrites deferred and immediate fixed annuities; universal life insurance products; and traditional life insurance products, such as term life insurance and whole life insurance products. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.
About Protective Insurance
Protective Insurance Corporation, through its subsidiaries, engages in marketing and underwriting property and casualty insurance products. The company offers a range of fleet transportation insurance products, including commercial motor vehicle liability, physical damage, and general liability insurance; workers compensation insurance; medical and indemnity insurance products; non-trucking motor vehicle liability insurance; fidelity and surety bonds; and inland marine products consisting of cargo insurance. It also provides various additional services, such as risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control, and cost studies; research, development, and consultation in connection with new insurance programs that comprise development of systems to assist customers in monitoring their accident data; and claims handling services to clients with self-insurance programs. It serves trucking and public transportation fleets, as well as independent contractors in the trucking industry. The company primarily operates in the United States, Canada, Bermuda, and Puerto Rico. Protective Insurance Corporation was founded in 1930 and is headquartered in Carmel, Indiana.