AMERISAFE (NASDAQ: AMSF) and The Phoenix Companies (NYSE:PNX) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership and profitabiliy.

Institutional and Insider Ownership

99.6% of AMERISAFE shares are owned by institutional investors. 2.2% of AMERISAFE shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares AMERISAFE and The Phoenix Companies’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
AMERISAFE $391.87 million 2.78 $98.32 million $3.49 16.29
The Phoenix Companies N/A N/A N/A N/A N/A

AMERISAFE has higher revenue and earnings than The Phoenix Companies.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for AMERISAFE and The Phoenix Companies, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
AMERISAFE 0 0 1 0 3.00
The Phoenix Companies 0 0 0 0 N/A

AMERISAFE currently has a consensus target price of $64.00, indicating a potential upside of 12.58%. Given AMERISAFE’s higher possible upside, analysts clearly believe AMERISAFE is more favorable than The Phoenix Companies.

Profitability

This table compares AMERISAFE and The Phoenix Companies’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
AMERISAFE 17.13% 14.05% 4.33%
The Phoenix Companies -10.34% -121.92% -0.83%

Dividends

AMERISAFE pays an annual dividend of $0.80 per share and has a dividend yield of 1.4%. The Phoenix Companies does not pay a dividend. AMERISAFE pays out 22.9% of its earnings in the form of a dividend.

Summary

AMERISAFE beats The Phoenix Companies on 9 of the 10 factors compared between the two stocks.

About AMERISAFE

Amerisafe, Inc. is an insurance holding company. The Company is engaged in providing workers’ compensation insurance focused on small to mid-sized employers engaged in hazardous industries, principally construction, trucking, logging and lumber, manufacturing, and agriculture. It is engaged in underwriting the workers’ compensation exposures inherent in these industries. It provides coverage to employers under state and federal workers’ compensation laws. The Company’s workers’ compensation insurance policies provide benefits to injured employees for, temporary or permanent disability, death and medical and hospital expenses. The Company provides safety services at employers’ workplaces as a component of its underwriting process. It utilizes claims management practices. In addition to its voluntary workers’ compensation business, it underwrites workers’ compensation policies for employers assigned to the Company and assumes reinsurance premiums from mandatory pooling arrangements.

About The Phoenix Companies

The Phoenix Companies, Inc. (Phoenix) is a holding company. The Company’s operating subsidiaries provide life insurance and annuity products through independent agents and financial advisors. Phoenix operates through two segments: Life and Annuity, and Saybrus. The Life and Annuity segment includes individual life insurance and annuity products, including its closed block. The Saybrus segment provides dedicated life insurance and other consulting services to financial advisors in partner companies, as well as support for sales of Phoenix’s product line through independent distribution organizations. Its Annuities products include Fixed Indexed Annuities, Fixed Annuities, Single Premium Immediate Annuities and Variable Annuities. Its Life Insurance products include Whole Life, Universal Life, Indexed Universal Life, Variable Universal Life and Term. Its target markets consist of middle market, and mass affluent families and individuals planning for or living in retirement.

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