Intact Financial (OTCMKTS:IFCZF – Get Free Report) and Admiral Group (OTCMKTS:AMIGY – Get Free Report) are both financial services companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, dividends, earnings, risk, analyst recommendations, valuation and profitability.
Valuation and Earnings
This table compares Intact Financial and Admiral Group’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Intact Financial | N/A | N/A | N/A | $5.20 | 28.56 |
| Admiral Group | N/A | N/A | N/A | $1.07 | 27.78 |
Admiral Group is trading at a lower price-to-earnings ratio than Intact Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Intact Financial | N/A | N/A | N/A |
| Admiral Group | N/A | N/A | N/A |
Dividends
Intact Financial pays an annual dividend of $1.88 per share and has a dividend yield of 1.3%. Admiral Group pays an annual dividend of $0.69 per share and has a dividend yield of 2.3%. Intact Financial pays out 36.2% of its earnings in the form of a dividend. Admiral Group pays out 64.8% 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.
Insider and Institutional Ownership
43.1% of Intact Financial shares are held by institutional investors. Comparatively, 0.0% of Admiral Group shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of current ratings and target prices for Intact Financial and Admiral Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Intact Financial | 0 | 2 | 2 | 0 | 2.50 |
| Admiral Group | 1 | 2 | 0 | 0 | 1.67 |
Intact Financial presently has a consensus price target of $186.75, indicating a potential upside of 25.77%. Given Intact Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Intact Financial is more favorable than Admiral Group.
Summary
Intact Financial beats Admiral Group on 7 of the 8 factors compared between the two stocks.
About Intact Financial
Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner-occupied residences, and seasonal residences, as well as travel insurance. The company also provides commercial line insurance coverages for a diversified group of businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber coverage. In addition, it offers commercial vehicle insurance coverages for the protection of commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, and cyber and environmental institutions. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.
About Admiral Group
Admiral Group plc, a financial services company, provides motor, household, travel, and pet insurance, as well as personal lending products worldwide. It operates through UK Insurance, International Insurance, Admiral Money, and Other segments. The company provides underwriting services, which includes motor, household, pet, and travel insurance, as well as car and home insurance; and provides unsecured personal loans and car finance products primarily in the United Kingdom. It offers its insurance product and services under the Admiral, Admiral Money, Apparent, Balumba, Bell, Compare.com, ConTe.it, Diamond, Elephant, Elephant Auto, Gladiator, L'Olivier, Qualitas Auto, and Veygo brands. The company was founded in 1993 and is headquartered in Cardiff, the United Kingdom.
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