State National Companies (NASDAQ: SNC) is one of 86 publicly-traded companies in the “Property & Casualty Insurance” industry, but how does it contrast to its competitors? We will compare State National Companies to related companies based on the strength of its dividends, analyst recommendations, valuation, risk, profitability, earnings and institutional ownership.

Dividends

State National Companies pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. State National Companies pays out 19.2% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.3% and pay out 14.7% of their earnings in the form of a dividend. State National Companies lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Earnings & Valuation

This table compares State National Companies and its competitors gross revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
State National Companies $217.07 million $49.07 million 16.82
State National Companies Competitors $11.51 billion $1.16 billion 145.24

State National Companies’ competitors have higher revenue and earnings than State National Companies. State National Companies is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Insider and Institutional Ownership

58.6% of State National Companies shares are held by institutional investors. Comparatively, 59.4% of shares of all “Property & Casualty Insurance” companies are held by institutional investors. 34.8% of State National Companies shares are held by insiders. Comparatively, 15.7% of shares of all “Property & Casualty Insurance” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares State National Companies and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
State National Companies 22.38% 16.86% 1.67%
State National Companies Competitors 6.32% 1.87% 1.34%

Analyst Recommendations

This is a breakdown of current ratings and target prices for State National Companies and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
State National Companies 1 2 4 0 2.43
State National Companies Competitors 633 2331 2198 45 2.32

State National Companies presently has a consensus target price of $50.80, suggesting a potential upside of 141.67%. As a group, “Property & Casualty Insurance” companies have a potential upside of 7.34%. Given State National Companies’ stronger consensus rating and higher probable upside, equities research analysts plainly believe State National Companies is more favorable than its competitors.

About State National Companies

State National Companies, Inc. is a specialty provider of property and casualty insurance. The Company’s segments include Program Services, Lender Services and Corporate. In the Program Services segment, the Company operates an issuing carrier (fronting) business to provide insurance capacity access to the United States property and casualty insurance markets. In the Lender Services segment, the Company specializes in providing collateral protection insurance, which insures automobiles held as collateral for loans made by financial institutions. The Company writes its insurance business through its insurance company subsidiaries, which include State National Insurance Company, Inc. (SNIC), National Specialty Insurance Company (NSIC) and United Specialty Insurance Company (USIC). As of December 31, 2016, SNIC and NSIC were admitted carriers licensed to write property and casualty business in all 50 states and the District of Columbia. USIC is an admitted carrier in Delaware.

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