Allianz (OTCMKTS:ALIZY) and International General Insurance (NASDAQ:IGIC) Head-To-Head Analysis

International General Insurance (NASDAQ:IGIC) and Allianz (OTCMKTS:ALIZY) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, valuation, profitability, risk, dividends, earnings and institutional ownership.

Analyst Ratings

This is a summary of current ratings and price targets for International General Insurance and Allianz, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International General Insurance	0	0	3	0	3.00
Allianz	1	3	1	1	2.33

International General Insurance presently has a consensus target price of $30.00, indicating a potential upside of 22.22%. Given International General Insurance’s stronger consensus rating and higher possible upside, analysts plainly believe International General Insurance is more favorable than Allianz.

Dividends

International General Insurance pays an annual dividend of $0.20 per share and has a dividend yield of 0.8%. Allianz pays an annual dividend of $1.18 per share and has a dividend yield of 2.7%. International General Insurance pays out 7.2% of its earnings in the form of a dividend. Allianz pays out 39.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. International General Insurance has increased its dividend for 2 consecutive years.

Risk & Volatility

International General Insurance has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500. Comparatively, Allianz has a beta of 0.64, meaning that its share price is 36% less volatile than the S&P 500.

Valuation & Earnings

This table compares International General Insurance and Allianz”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International General Insurance	$539.00 million	2.03	$135.15 million	$2.76	8.89
Allianz	$194.56 billion	0.85	$10.75 billion	$3.01	14.51

Allianz has higher revenue and earnings than International General Insurance. International General Insurance is trading at a lower price-to-earnings ratio than Allianz, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares International General Insurance and Allianz’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International General Insurance	23.76%	18.36%	5.82%
Allianz	5.69%	17.38%	1.06%

Institutional & Insider Ownership

54.2% of International General Insurance shares are held by institutional investors. Comparatively, 0.0% of Allianz shares are held by institutional investors. 20.1% of International General Insurance shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

International General Insurance beats Allianz on 11 of the 18 factors compared between the two stocks.

About International General Insurance

International General Insurance Holdings Ltd. engages in the provision of specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It is involved in underwriting a portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, motor, marine liability, contingency, marine, treaty, and casualty insurance and reinsurance. The company was founded in 2001 and is based in Amman, Jordan.

About Allianz

Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company’s Property-Casualty segment offers various insurance products, including motor liability and own damage, accident, general liability, fire and property, legal expense, credit, and travel to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products. The company’s Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, and multi-assets; and alternative investment products that include real estate, infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.