Financial Review: RSA Insurance Group (OTCMKTS:RSNAY) and Aflac (NYSE:AFL)

Aflac (NYSE:AFL) and RSA Insurance Group (OTCMKTS:RSNAY) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, profitability, dividends, valuation, analyst recommendations, risk and earnings.

Profitability

This table compares Aflac and RSA Insurance Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Aflac	26.91%	13.27%	3.34%
RSA Insurance Group	N/A	N/A	N/A

Institutional and Insider Ownership

67.4% of Aflac shares are held by institutional investors. 0.8% of Aflac shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares Aflac and RSA Insurance Group”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Aflac	$17.16 billion	3.38	$3.65 billion	$9.33	12.41
RSA Insurance Group	N/A	N/A	N/A	N/A	N/A

Aflac has higher revenue and earnings than RSA Insurance Group.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Aflac and RSA Insurance Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Aflac	3	7	2	2	2.21
RSA Insurance Group	0	0	0	0	0.00

Aflac presently has a consensus price target of $116.62, suggesting a potential upside of 0.68%. Given Aflac’s stronger consensus rating and higher probable upside, equities analysts clearly believe Aflac is more favorable than RSA Insurance Group.

Summary

Aflac beats RSA Insurance Group on 10 of the 10 factors compared between the two stocks.

About Aflac

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates through Aflac Japan and Aflac U.S. segments. The Aflac Japan segment offers cancer, medical, nursing care, work leave, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.

About RSA Insurance Group

RSA Insurance Group plc provides personal and commercial general insurance products. It operates through Scandinavia, Canada, and UK & International segments. The company offers a range of personal insurance products, including home, car, pet, and travel insurance products directly to individuals and families, as well as through brokers and agents. It also provides commercial insurance products, such as property, vehicle and fleet, professional liability, and indemnity and travel insurance, as well as marine, renewable energy, construction and engineering, and rail insurance for small to medium sized enterprises, multinational companies, and sole traders. The company was formerly known as Royal & Sun Alliance Insurance Group plc and changed its name to RSA Insurance Group plc in May 2008. RSA Insurance Group plc was founded in 1706 and is headquartered in London, the United Kingdom.