Head-To-Head Review: Aspen Insurance (AHL) and 1347 Property Insurance (PIH)

Aspen Insurance (NYSE:AHL) and 1347 Property Insurance (NASDAQ:PIH) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, earnings, profitability, institutional ownership and dividends.

Insider and Institutional Ownership

97.2% of Aspen Insurance shares are owned by institutional investors. Comparatively, 25.3% of 1347 Property Insurance shares are owned by institutional investors. 1.3% of Aspen Insurance shares are owned by insiders. Comparatively, 47.2% of 1347 Property Insurance shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

Aspen Insurance has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500. Comparatively, 1347 Property Insurance has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500.

Profitability

This table compares Aspen Insurance and 1347 Property Insurance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Aspen Insurance -18.11% -11.73% -2.65%
1347 Property Insurance 2.51% 3.68% 1.37%

Earnings & Valuation

This table compares Aspen Insurance and 1347 Property Insurance’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Aspen Insurance $2.52 billion 0.99 -$267.70 million ($6.59) -6.35
1347 Property Insurance $38.15 million 0.94 $290,000.00 $0.13 46.15

1347 Property Insurance has lower revenue, but higher earnings than Aspen Insurance. Aspen Insurance is trading at a lower price-to-earnings ratio than 1347 Property Insurance, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent ratings and price targets for Aspen Insurance and 1347 Property Insurance, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Aspen Insurance 0 4 0 0 2.00
1347 Property Insurance 0 0 1 0 3.00

Aspen Insurance presently has a consensus price target of $41.69, indicating a potential downside of 0.36%. 1347 Property Insurance has a consensus price target of $9.00, indicating a potential upside of 50.00%. Given 1347 Property Insurance’s stronger consensus rating and higher possible upside, analysts clearly believe 1347 Property Insurance is more favorable than Aspen Insurance.

Dividends

Aspen Insurance pays an annual dividend of $0.96 per share and has a dividend yield of 2.3%. 1347 Property Insurance does not pay a dividend. Aspen Insurance pays out -14.6% of its earnings in the form of a dividend. Aspen Insurance has raised its dividend for 6 consecutive years.

Summary

1347 Property Insurance beats Aspen Insurance on 10 of the 17 factors compared between the two stocks.

About Aspen Insurance

Aspen Insurance Holdings Limited, through its subsidiaries, engages in insurance and reinsurance businesses in the United States and internationally. The company's Aspen Insurance segment offers property and casualty insurance products, including U.S. and U.K. commercial property, commercial liability, U.S. primary casualty, excess casualty, environmental liability, and railroad liability products; and marine, aviation, and energy insurance products, such as marine and energy liability, onshore and offshore energy physical damage, marine hull, specie, inland and ocean marine, and aviation insurance products. This segment also provides financial and professional lines insurance products comprising financial and corporate risks, professional liability, management liability, credit and political risks, crisis management, accident and health, surety risks, and technology liability insurance products. The company's Aspen Reinsurance segment offers property catastrophe reinsurance products; other property reinsurance products; casualty reinsurance products, including U.S. treaty, international treaty, and casualty facultative reinsurance products; and specialty reinsurance products comprising credit and surety, agriculture, marine, aviation, terrorism, engineering, cyber, and other specialty lines. Aspen Insurance Holdings Limited distributes its products primarily through brokers and reinsurance intermediaries. The company was founded in 2002 and is headquartered in Hamilton, Bermuda.

About 1347 Property Insurance

1347 Property Insurance Holdings, Inc., through its subsidiaries, provides property and casualty insurance products to individuals in Louisiana, Florida, and Texas. The company offers homeowners' insurance, manufactured home insurance, dwelling fire insurance, and wind/hail insurance products, as well as reinsurance products. It offers its insurance policies through a network of independent agents. The company was formerly known as Maison Insurance Holdings, Inc. and changed its name to 1347 Property Insurance Holdings, Inc. in March 2014. 1347 Property Insurance Holdings, Inc. was founded in 2012 and is based in Tampa, Florida.

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