American National Insurance (NASDAQ: ANAT) and National Western Life Group (NASDAQ:NWLI) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.
Volatility and Risk
American National Insurance has a beta of 1.15, indicating that its share price is 15% more volatile than the S&P 500. Comparatively, National Western Life Group has a beta of 1.32, indicating that its share price is 32% more volatile than the S&P 500.
American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.7%. National Western Life Group pays an annual dividend of $0.36 per share and has a dividend yield of 0.1%.
Earnings and Valuation
This table compares American National Insurance and National Western Life Group’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|American National Insurance||$3.41 billion||0.96||$493.65 million||N/A||N/A|
|National Western Life Group||$874.45 million||1.33||$110.42 million||N/A||N/A|
American National Insurance has higher revenue and earnings than National Western Life Group.
This is a breakdown of recent recommendations for American National Insurance and National Western Life Group, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American National Insurance||0||0||0||0||N/A|
|National Western Life Group||0||0||0||0||N/A|
Insider and Institutional Ownership
64.9% of American National Insurance shares are owned by institutional investors. Comparatively, 79.6% of National Western Life Group shares are owned by institutional investors. 23.5% of American National Insurance shares are owned by company insiders. Comparatively, 0.5% of National Western Life Group shares are owned by company 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.
This table compares American National Insurance and National Western Life Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American National Insurance||13.76%||3.76%||0.73%|
|National Western Life Group||14.56%||5.71%||0.85%|
National Western Life Group beats American National Insurance on 6 of the 11 factors compared between the two stocks.
American National Insurance Company Profile
American National Insurance Company, together with its subsidiaries, provides various insurance products and services in the United States, the District of Columbia, and Puerto Rico. The company's Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. Its Annuity segment provides deferred, variable, and single premium immediate annuity products. The company's Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance. Its Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; and commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business within the rural and suburban markets, as well as property, liability, and workers' compensation coverages. This segment also offers credit-related property insurance products comprising collateral or creditor protection insurance; guaranteed auto protection or guaranteed asset protection insurance; and mortgage security insurance. The company distributes its products through career and multiple-line agents, broker-dealers, independent insurance agents and brokers, managing general underwriters, and financial institutions, as well as through direct marketing channels. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.
National Western Life Group Company Profile
National Western Life Group, Inc., through its subsidiary, National Western Life Insurance Company, operates as a stock life insurance company. It operates through Domestic Life Insurance, International Life Insurance, and Annuities segments. The company provides life insurance products for the savings and protection needs of policyholders; and annuity contracts for the asset accumulation and retirement needs of contract holders. Its life products include universal life insurance, interest-sensitive whole life insurance, and traditional products comprising term insurance coverage; and annuity products, such as flexible premium and single premium deferred annuities, equity-index annuities, and single premium immediate annuities. The company also engages in real estate, nursing home, and other investment activities. National Western Life Group, Inc. markets and distributes its insurance products primarily through independent national marketing organizations. The company was founded in 1956 and is based in Austin, Texas.
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