ICC (NASDAQ:ICCH) and ProAssurance (NYSE:PRA) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, institutional ownership, earnings, dividends, risk and analyst recommendations.
Earnings & Valuation
This table compares ICC and ProAssurance’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|ProAssurance||$886.03 million||2.35||$47.06 million||$1.48||26.22|
ProAssurance has higher revenue and earnings than ICC.
Risk & Volatility
ICC has a beta of 0.11, meaning that its stock price is 89% less volatile than the S&P 500. Comparatively, ProAssurance has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500.
This is a breakdown of recent recommendations and price targets for ICC and ProAssurance, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
ProAssurance has a consensus price target of $41.00, indicating a potential upside of 5.64%. Given ProAssurance’s higher probable upside, analysts plainly believe ProAssurance is more favorable than ICC.
ProAssurance pays an annual dividend of $1.24 per share and has a dividend yield of 3.2%. ICC does not pay a dividend. ProAssurance pays out 83.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Insider and Institutional Ownership
11.3% of ICC shares are owned by institutional investors. Comparatively, 82.5% of ProAssurance shares are owned by institutional investors. 22.5% of ICC shares are owned by company insiders. Comparatively, 1.7% of ProAssurance shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
This table compares ICC and ProAssurance’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
ProAssurance beats ICC on 9 of the 14 factors compared between the two stocks.
ICC Holdings, Inc., through its subsidiary, Illinois Casualty Company, provides property and casualty insurance products to the food and beverage industry in the United States. The company offers commercial multi-peril, liquor liability, workers' compensation, and umbrella liability insurance products. It also rents real estate properties. The company markets its products through a network of 160 independent agents in Colorado, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Ohio, and Wisconsin. ICC Holdings, Inc. was founded in 1950 and is headquartered in Rock Island, Illinois.
ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. The company operates through Specialty Property and Casualty, Workers' Compensation Insurance, Segregated Portfolio Cell Reinsurance, and Lloyd's Syndicate segments. It offers professional liability insurance for healthcare professionals and facilities; professional liability insurance for attorneys; liability insurance for medical technology and life sciences risks; and workers' compensation insurance for employers, groups, and associations. The company also participates in Lloyd's of London Syndicate 1729, which underwrites property and casualty insurance, and reinsurance; and Syndicate 6131 that underwrites contingency and specialty property insurance. ProAssurance Corporation markets its products through independent agencies and brokers, as well as an internal sales force. The company was founded in 1976 and is headquartered in Birmingham, Alabama.
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