Critical Review: Unico American (UNAM) and United Insurance (UIHC)
Unico American (NASDAQ: UNAM) and United Insurance (NASDAQ:UIHC) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, profitability and risk.
Volatility & Risk
Unico American has a beta of -0.52, meaning that its share price is 152% less volatile than the S&P 500. Comparatively, United Insurance has a beta of 1.53, meaning that its share price is 53% more volatile than the S&P 500.
United Insurance pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. Unico American does not pay a dividend. United Insurance pays out -30.0% of its earnings in the form of a dividend.
Valuation & Earnings
This table compares Unico American and United Insurance’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Unico American||$35.27 million||1.41||-$1.40 million||($1.01)||-9.26|
|United Insurance||$487.12 million||1.48||$5.69 million||($0.80)||-21.06|
United Insurance has higher revenue and earnings than Unico American. United Insurance is trading at a lower price-to-earnings ratio than Unico American, indicating that it is currently the more affordable of the two stocks.
This is a summary of recent recommendations and price targets for Unico American and United Insurance, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
United Insurance has a consensus price target of $18.00, indicating a potential upside of 6.82%. Given United Insurance’s higher possible upside, analysts plainly believe United Insurance is more favorable than Unico American.
This table compares Unico American and United Insurance’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional & Insider Ownership
27.3% of Unico American shares are held by institutional investors. Comparatively, 31.6% of United Insurance shares are held by institutional investors. 54.1% of Unico American shares are held by company insiders. Comparatively, 22.6% of United Insurance shares are held by company 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 Insurance beats Unico American on 14 of the 15 factors compared between the two stocks.
Unico American Company Profile
Unico American Corporation is an insurance holding company. The Company underwrites property and casualty insurance through its insurance company subsidiary. It also provides property, casualty and health insurance through its agency subsidiaries and provides insurance premium financing and membership association services through its other subsidiaries. The Company’s operations are categorized between the Company’s segment, the insurance company operation and other insurance operations. The Company’s remaining operations constitute a range of specialty insurance services. The Company’s insurance company operation is conducted through Crusader Insurance Company (Crusader), its property and casualty insurance company. Crusader is a multiple line property and casualty insurance company. Crusader is licensed as an admitted insurance carrier in the states of Arizona, California, Nevada, Oregon and Washington.
United Insurance Company Profile
United Insurance Holdings Corp. is a property and casualty insurance holding company that sources, writes and services residential property and casualty insurance policies using a network of agents and a group of insurance subsidiaries. The Company’s insurance subsidiary is United Property & Casualty Insurance Company. Its other subsidiaries include United Insurance Management, L.C., the managing general agent that manages substantially all aspects of United Property & Casualty Insurance Company’s business; Skyway Claims Services, LLC, which provides services to its insurance affiliate; UPC Re, which provides a portion of the reinsurance protection purchased by its insurance affiliate. The Company’s principal product is homeowners’ insurance, which it offers in Connecticut, Florida, Georgia, Hawaii, Louisiana, Massachusetts, New Jersey, North Carolina, Rhode Island, South Carolina and Texas.
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