Unico American (NASDAQ: UNAM) and Allstate (NYSE:ALL) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.
Risk and Volatility
Unico American has a beta of -0.53, indicating that its share price is 153% less volatile than the S&P 500. Comparatively, Allstate has a beta of 0.96, indicating that its share price is 4% less volatile than the S&P 500.
27.3% of Unico American shares are owned by institutional investors. Comparatively, 76.9% of Allstate shares are owned by institutional investors. 54.1% of Unico American shares are owned by insiders. Comparatively, 1.6% of Allstate shares are owned 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.
Valuation and Earnings
This table compares Unico American and Allstate’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Unico American||$35.27 million||1.32||-$1.40 million||($1.01)||-8.66|
|Allstate||$36.53 billion||0.88||$1.88 billion||$7.20||12.51|
Allstate has higher revenue and earnings than Unico American. Unico American is trading at a lower price-to-earnings ratio than Allstate, indicating that it is currently the more affordable of the two stocks.
This table compares Unico American and Allstate’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of current ratings and recommmendations for Unico American and Allstate, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Allstate has a consensus price target of $95.77, suggesting a potential upside of 6.34%. Given Allstate’s higher possible upside, analysts plainly believe Allstate is more favorable than Unico American.
Allstate pays an annual dividend of $1.48 per share and has a dividend yield of 1.6%. Unico American does not pay a dividend. Allstate pays out 20.6% of its earnings in the form of a dividend. Unico American has raised its dividend for 7 consecutive years.
Allstate beats Unico American on 12 of the 16 factors compared between the two stocks.
About Unico American
Unico American Corporation is an insurance holding company. The Company underwrites property and casualty insurance through its insurance company subsidiary. It also provides property, casualty and health insurance through its agency subsidiaries and provides insurance premium financing and membership association services through its other subsidiaries. The Company’s operations are categorized between the Company’s segment, the insurance company operation and other insurance operations. The Company’s remaining operations constitute a range of specialty insurance services. The Company’s insurance company operation is conducted through Crusader Insurance Company (Crusader), its property and casualty insurance company. Crusader is a multiple line property and casualty insurance company. Crusader is licensed as an admitted insurance carrier in the states of Arizona, California, Nevada, Oregon and Washington.
The Allstate Corporation (Allstate) is a holding company for Allstate Insurance Company. The Company’s business is conducted principally through Allstate Insurance Company, Allstate Life Insurance Company and other subsidiaries. It is engaged in the property-liability insurance business and the life insurance, retirement and investment products business. Its segments include Allstate Protection, Allstate Financial, Discontinued Lines and Coverages, and Corporate and Other. The Allstate Protection segment sells private passenger auto, homeowners, and other property-liability insurance products through agencies and directly through contact centers and the Internet. The Allstate Financial segment sells life insurance and voluntary accident and health insurance products. The Corporate and Other segment consists of holding company activities and certain non-insurance operations. Its Discontinued Lines and Coverages segment includes results from property-liability insurance coverage.
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