Unico American (UNAM) & White Mountains Insurance Group (WTM) Head to Head Comparison

Unico American (NASDAQ: UNAM) and White Mountains Insurance Group (NYSE:WTM) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, institutional ownership, dividends, risk, earnings, analyst recommendations and profitability.

Insider & Institutional Ownership

27.3% of Unico American shares are owned by institutional investors. Comparatively, 81.9% of White Mountains Insurance Group shares are owned by institutional investors. 54.1% of Unico American shares are owned by insiders. Comparatively, 5.1% of White Mountains Insurance Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Unico American and White Mountains Insurance Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Unico American -14.70% -8.12% -3.86%
White Mountains Insurance Group 69.96% 1.32% 0.82%

Dividends

White Mountains Insurance Group pays an annual dividend of $1.00 per share and has a dividend yield of 0.1%. Unico American does not pay a dividend. White Mountains Insurance Group pays out 55.2% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares Unico American and White Mountains Insurance Group’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Unico American $35.27 million 1.29 -$1.40 million ($1.01) -8.47
White Mountains Insurance Group $1.36 billion 2.31 $412.50 million $1.81 462.26

White Mountains Insurance Group has higher revenue and earnings than Unico American. Unico American is trading at a lower price-to-earnings ratio than White Mountains Insurance Group, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings for Unico American and White Mountains Insurance Group, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Unico American 0 0 0 0 N/A
White Mountains Insurance Group 0 0 0 0 N/A

Summary

White Mountains Insurance Group beats Unico American on 10 of the 12 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.

About White Mountains Insurance Group

White Mountains Insurance Group, Ltd. is a holding company. The Company’s principal businesses are conducted through its insurance subsidiaries and other affiliates. Its segments include HG Global/BAM and Other Operations. The HG Global/BAM segment consists of the operations of HG Global Ltd. (HG Global) and Build America Mutual Assurance Company (BAM). The Other Operations segment consists of the Company and its intermediate holding companies, its investment management subsidiary, White Mountains Advisors LLC, and certain consolidated and unconsolidated private capital investments.

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