Athene (NYSE:ATH) and UTG (OTCMKTS:UTGN) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, valuation, institutional ownership, profitability, earnings and dividends.

Institutional & Insider Ownership

70.3% of Athene shares are owned by institutional investors. 8.5% of Athene shares are owned by company insiders. Comparatively, 67.3% of UTG shares are owned 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.

Volatility & Risk

Athene has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, UTG has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Athene and UTG, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Athene 0 3 9 0 2.75
UTG 0 0 0 0 N/A

Athene currently has a consensus target price of $60.50, indicating a potential upside of 45.50%. Given Athene’s higher probable upside, equities research analysts plainly believe Athene is more favorable than UTG.

Valuation and Earnings

This table compares Athene and UTG’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Athene $8.73 billion 0.95 $1.45 billion $5.66 7.35
UTG $28.73 million 3.46 $4.81 million N/A N/A

Athene has higher revenue and earnings than UTG.

Profitability

This table compares Athene and UTG’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Athene 17.65% 14.09% 1.17%
UTG 48.76% 26.40% 7.34%

Summary

Athene beats UTG on 6 of the 11 factors compared between the two stocks.

About Athene

Athene Holding Ltd., a retirement services company, issues, reinsures, and acquires retirement savings products in the United States, the District of Columbia, and Germany. It offers fixed deferred, immediate, and payout annuities; and funding agreements and pension risk transfer products to institutional investors. The company's products are designed for individuals and institutions seeking to fund retirement needs. Athene Holding Ltd. was incorporated in 2008 and is headquartered in Pembroke, Bermuda.

About UTG

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. The company also offers reinsurance products. The company was founded in 1984 and is headquartered in Stanford, Kentucky.

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