White Mountains Insurance Group (NYSE:WTM – Get Free Report) and American Coastal Insurance (NASDAQ:ACIC – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, profitability, dividends, earnings and analyst recommendations.
Analyst Ratings
This is a summary of current ratings and target prices for White Mountains Insurance Group and American Coastal Insurance, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| White Mountains Insurance Group | 0 | 1 | 1 | 0 | 2.50 |
| American Coastal Insurance | 1 | 1 | 1 | 0 | 2.00 |
Earnings & Valuation
This table compares White Mountains Insurance Group and American Coastal Insurance”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| White Mountains Insurance Group | $3.74 billion | 1.39 | $1.11 billion | $406.57 | 5.13 |
| American Coastal Insurance | $335.44 million | 1.60 | $106.84 million | $2.10 | 5.28 |
White Mountains Insurance Group has higher revenue and earnings than American Coastal Insurance. White Mountains Insurance Group is trading at a lower price-to-earnings ratio than American Coastal Insurance, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
White Mountains Insurance Group has a beta of 0.29, meaning that its share price is 71% less volatile than the S&P 500. Comparatively, American Coastal Insurance has a beta of -0.51, meaning that its share price is 151% less volatile than the S&P 500.
Profitability
This table compares White Mountains Insurance Group and American Coastal Insurance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| White Mountains Insurance Group | 28.44% | 9.19% | 4.27% |
| American Coastal Insurance | 31.32% | 32.26% | 8.91% |
Insider and Institutional Ownership
88.7% of White Mountains Insurance Group shares are owned by institutional investors. Comparatively, 22.1% of American Coastal Insurance shares are owned by institutional investors. 3.0% of White Mountains Insurance Group shares are owned by insiders. Comparatively, 49.2% of American Coastal Insurance shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
About White Mountains Insurance Group
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through HG Global/BAM, Ark/WM Outrigger, Kudu, and Other Operations segments. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services. The Ark/WM Outrigger segment offers reinsurance and insurance, including property, marine and energy, accident and health, casualty, and specialty products. The Kudu segment provides capital solutions to boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisitions and growth finances, and legacy partner liquidity, as well as strategic assistance to investees. The Other Operations segment offers insurance solutions to travel industry through broker channel and on a direct-to-consumer basis; and manages separate accounts and pooled investment vehicles for insurance-linked securities sectors, including catastrophe bonds, collateralized reinsurance investments, and industry loss warranties of third-party clients. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
About American Coastal Insurance
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
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