Contrasting Presurance (NASDAQ:PRHI) & Affirmative Insurance (OTCMKTS:AFFM)

Presurance (NASDAQ:PRHI) and Affirmative Insurance (OTCMKTS:AFFM) are both financial services companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, earnings, profitability, institutional ownership and analyst recommendations.

Institutional and Insider Ownership

34.9% of Presurance shares are owned by institutional investors. 50.9% of Presurance shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Presurance and Affirmative Insurance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Presurance	-50.13%	-136.28%	-12.17%
Affirmative Insurance	N/A	N/A	N/A

Analyst Ratings

This is a summary of current ratings for Presurance and Affirmative Insurance, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Presurance	1	0	0	0	1.00
Affirmative Insurance	0	0	0	0	0.00

Given Affirmative Insurance’s higher possible upside, analysts plainly believe Affirmative Insurance is more favorable than Presurance.

Valuation & Earnings

This table compares Presurance and Affirmative Insurance”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Presurance	$67.27 million	N/A	$24.35 million	($2.19)	-0.42
Affirmative Insurance	N/A	N/A	N/A	N/A	N/A

Presurance has higher revenue and earnings than Affirmative Insurance.

About Presurance

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,600 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Birmingham, Michigan.

About Affirmative Insurance

Affirmative Insurance Holdings, Inc. is a provider of non-standard personal automobile insurance policies for individual consumers in targeted geographic markets. As of March 31, 2015, the Company’s subsidiaries included insurance companies licensed to write insurance policies in 39 states, two underwriting agencies and a service company. As of March 31, 2015, the Company operated in seven states (Louisiana, Texas, California, Alabama, Illinois, Indiana and Missouri) and distributed its insurance policies through approximately 5,000 independent agents or brokers, including an unaffiliated underwriting agency that distributed its policies in the state of California. The Company also distributes and services non-standard insurance policies underwritten by a Texas county mutual insurance company.