Reviewing Universal Insurance Holdings Inc. (UVE)’s and American National Insurance Company (NASDAQ:ANAT)’s results

Universal Insurance Holdings Inc. (NYSE:UVE) and American National Insurance Company (NASDAQ:ANAT) have been rivals in the Property & Casualty Insurance for quite some time. Below is a review of each business including various aspects such as dividends, institutional ownership, analyst recommendations, profitability, risk, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Universal Insurance Holdings Inc. 29 0.00 30.26M 3.29 7.54
American National Insurance Company 119 0.00 15.34M 14.81 8.17

Table 1 highlights Universal Insurance Holdings Inc. and American National Insurance Company’s gross revenue, earnings per share (EPS) and valuation. American National Insurance Company is observed to has higher revenue and earnings than Universal Insurance Holdings Inc. The business that Presently has a lower price-to-earnings ratio is considered the more affordable of the two businesses. Universal Insurance Holdings Inc. is thus presently the affordable of the two stocks because it has a lower price-to-earnings ratio.

Profitability

Table 2 provides the net margins, return on assets and return on equity of the two firms.

Net Margins Return on Equity Return on Assets
Universal Insurance Holdings Inc. 103,986,254.30% 22.7% 6.7%
American National Insurance Company 12,907,025.66% 7.4% 1.5%

Volatility & Risk

A 0.99 beta means Universal Insurance Holdings Inc.’s volatility is 1.00% less than Standard and Poor’s 500’s volatility. Competitively, American National Insurance Company’s beta is 0.69 which is 31.00% less volatile than Standard and Poor’s 500.

Insider & Institutional Ownership

Roughly 75.3% of Universal Insurance Holdings Inc. shares are owned by institutional investors while 64.9% of American National Insurance Company are owned by institutional investors. 7.7% are Universal Insurance Holdings Inc.’s share owned by insiders. Comparatively, 0.4% are American National Insurance Company’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Universal Insurance Holdings Inc. -5.7% -14.18% -17.19% -34.31% -43.89% -34.57%
American National Insurance Company -1.95% 1.95% 6.92% -11.79% -5.44% -4.89%

For the past year American National Insurance Company has weaker performance than Universal Insurance Holdings Inc.

Summary

American National Insurance Company beats on 7 of the 11 factors Universal Insurance Holdings Inc.

Universal Insurance Holdings, Inc., through its subsidiaries, provides various property and casualty insurance products in the United States. The company primarily underwrites homeownersÂ’ insurance products; and offers reinsurance intermediary services. It offers its products through a network of independent agents. Universal Insurance Holdings, Inc. also operates Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeownersÂ’ policies. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was founded in 1990 and is based in Fort Lauderdale, Florida.

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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