Conifer (NASDAQ: CNFR) and Kinsale Capital Group (NASDAQ:KNSL) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, earnings, valuation, risk, dividends, analyst recommendations and institutional ownership.

Valuation and Earnings

This table compares Conifer and Kinsale Capital Group’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Conifer $93.88 million 0.51 -$8.43 million ($3.42) -1.65
Kinsale Capital Group $141.62 million 6.68 $26.16 million $1.21 37.16

Kinsale Capital Group has higher revenue and earnings than Conifer. Conifer is trading at a lower price-to-earnings ratio than Kinsale Capital Group, indicating that it is currently the more affordable of the two stocks.

Dividends

Kinsale Capital Group pays an annual dividend of $0.24 per share and has a dividend yield of 0.5%. Conifer does not pay a dividend. Kinsale Capital Group pays out 19.8% of its earnings in the form of a dividend.

Insider & Institutional Ownership

25.6% of Conifer shares are held by institutional investors. Comparatively, 82.3% of Kinsale Capital Group shares are held by institutional investors. 45.5% of Conifer shares are held by company insiders. Comparatively, 11.2% of Kinsale Capital Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Conifer and Kinsale Capital Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Conifer -27.29% -43.07% -12.67%
Kinsale Capital Group 14.65% 11.69% 4.14%

Analyst Recommendations

This is a summary of recent recommendations for Conifer and Kinsale Capital Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Conifer 0 1 0 0 2.00
Kinsale Capital Group 0 1 2 0 2.67

Kinsale Capital Group has a consensus target price of $45.50, suggesting a potential upside of 1.20%. Given Kinsale Capital Group’s stronger consensus rating and higher probable upside, analysts plainly believe Kinsale Capital Group is more favorable than Conifer.

Risk & Volatility

Conifer has a beta of 1.01, suggesting that its share price is 1% more volatile than the S&P 500. Comparatively, Kinsale Capital Group has a beta of -0.27, suggesting that its share price is 127% less volatile than the S&P 500.

Summary

Kinsale Capital Group beats Conifer on 12 of the 15 factors compared between the two stocks.

Conifer Company Profile

Conifer Holdings, Inc. is an insurance holding company. Through its insurance company subsidiaries, the Company offers insurance coverage in both specialty commercial and specialty personal product lines. It operates through two segments: commercial lines and personal lines. It is engaged in underwriting and marketing insurance coverage, and administering claims processing for such policies. The Company offers coverage for property, liability, automobile, and other miscellaneous coverage primarily to owner-operated small and mid-sized businesses, professional organizations and hospitality businesses, such as restaurants, bars and taverns. The Company offers coverage for low-value dwelling, wind-exposed homeowners and automobile. Its personal lines products include Catastrophe coverage, including hurricane and wind coverage, to underserved homeowners in Florida, Hawaii and Texas, and Dwelling insurance.

Kinsale Capital Group Company Profile

Kinsale Capital Group, Inc. is a specialty insurance company. The Company focuses on the excess and surplus lines (E&S) market in the United States. The Company operates through the Excess and Surplus Lines Insurance segment. The Company markets and sells these insurance products in approximately 50 states and the District of Columbia through a network of independent insurance brokers. The Company’s commercial lines offerings include construction, small business, excess casualty, general casualty, energy, professional liability, life sciences, product liability, allied health, healthcare, commercial property, management liability, environmental, inland marine, commercial insurance and public entity. The Company writes an array of coverages with a focus on smaller commercial buyers. The Company also writes a small amount of homeowners insurance in the personal lines market. The Company’s subsidiaries include Kinsale Management, Inc. and Kinsale Insurance Company.

Receive News & Ratings for Conifer Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Conifer and related companies with MarketBeat.com's FREE daily email newsletter.