SWISS RE Ltd/S (NASDAQ: ANAT) and American National Insurance (NASDAQ:ANAT) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.

Volatility and Risk

SWISS RE Ltd/S has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, American National Insurance has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500.

Dividends

SWISS RE Ltd/S pays an annual dividend of $1.04 per share and has a dividend yield of 4.5%. American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.5%. SWISS RE Ltd/S pays out 400.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. American National Insurance has raised its dividend for 3 consecutive years.

Earnings and Valuation

This table compares SWISS RE Ltd/S and American National Insurance’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SWISS RE Ltd/S $42.49 billion 0.79 $398.00 million $0.26 89.73
American National Insurance $3.41 billion 1.04 $493.65 million N/A N/A

American National Insurance has lower revenue, but higher earnings than SWISS RE Ltd/S.

Institutional and Insider Ownership

0.1% of SWISS RE Ltd/S shares are owned by institutional investors. Comparatively, 66.4% of American National Insurance shares are owned by institutional investors. 23.5% of American National 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.

Profitability

This table compares SWISS RE Ltd/S and American National Insurance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SWISS RE Ltd/S N/A N/A N/A
American National Insurance 14.66% 3.84% 0.75%

Analyst Ratings

This is a breakdown of current ratings and price targets for SWISS RE Ltd/S and American National Insurance, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SWISS RE Ltd/S 1 3 2 0 2.17
American National Insurance 0 0 0 0 N/A

Summary

American National Insurance beats SWISS RE Ltd/S on 10 of the 14 factors compared between the two stocks.

About SWISS RE Ltd/S

Swiss Re Ltd, together with its subsidiaries, provides wholesale reinsurance, insurance, and other insurance-based forms of risk transfer worldwide. The company operates through four segments: Property & Casualty Reinsurance, Life & Health Reinsurance, Corporate Solutions, and Life Capital. It underwrites casualty, property and specialty, agriculture, aviation, engineering, marine, life and health, retakaful, solvency II, and facultative reinsurance products, as well as trade credit, surety, and political risk reinsurance; structured reinsurance solutions; and insurance-linked securities. The company also offers customized products and standard insurance covers; and manages closed and open life and health insurance books. The company serves insurance companies, mid-to-large-sized corporations, and public sector clients. Swiss Re Ltd was founded in 1863 and is headquartered in Zurich, Switzerland.

About American National Insurance

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.

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