American National Insurance (NASDAQ: ANAT) and Crawford & (NYSE:CRD.B) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, earnings, dividends, risk, valuation, institutional ownership and analyst recommendations.

Valuation & Earnings

This table compares American National Insurance and Crawford &’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
American National Insurance $3.28 billion 0.97 $260.52 million $7.23 16.46
Crawford & N/A N/A N/A $0.60 N/A

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

Profitability

This table compares American National Insurance and Crawford &’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
American National Insurance 5.95% 2.61% 0.50%
Crawford & 3.17% 26.83% 5.69%

Analyst Recommendations

This is a breakdown of current ratings and price targets for American National Insurance and Crawford &, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American National Insurance 0 0 0 0 N/A
Crawford & 0 0 0 0 N/A

Institutional and Insider Ownership

66.5% of American National Insurance shares are held by institutional investors. Comparatively, 17.7% of Crawford & shares are held by institutional investors. 23.5% of American National Insurance shares are held by insiders. Comparatively, 51.0% of Crawford & shares are held 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.

Risk and Volatility

American National Insurance has a beta of 1.33, suggesting that its share price is 33% more volatile than the S&P 500. Comparatively, Crawford & has a beta of 1.74, suggesting that its share price is 74% more volatile than the S&P 500.

Dividends

American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.8%. Crawford & pays an annual dividend of $0.20 per share. American National Insurance pays out 45.4% of its earnings in the form of a dividend. Crawford & pays out 33.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

American National Insurance beats Crawford & on 6 of the 11 factors compared between the two stocks.

American National Insurance Company Profile

American National Insurance Company is engaged in life insurance, annuities, and property and casualty insurance. The Company also offers limited health insurance. Its family of companies includes six life insurance companies, eight property and casualty insurance companies, and various non-insurance subsidiaries. Its business segments include Life, which offers products, such as Whole Life, Term Life, Universal Life, Variable Universal Life and Credit Life Insurance; Annuity, including products, such as Deferred Annuity, Single Premium Immediate Annuity and Variable Annuity; Health, including, such as Medicare Supplement, Supplemental Insurance, Stop-Loss, Credit Disability and Medical Expense; Property and Casualty, which offers products, such as Personal Lines, Commercial Lines and Credit-Related Property Insurance products, and Corporate and Other, which consists of its invested assets that are not used to support insurance activities, and non-insurance subsidiaries.

Crawford & Company Profile

Crawford & Company (Crawford) is an independent provider of claims management solutions to insurance and self-insured entities. The Company’s Crawford Solution offers claims services, business process outsourcing and consulting services for various product lines, including property and casualty claims management; workers’ compensation claims and medical management, and legal settlement administration. Crawford conducts its operations through four segments: U.S. Services, which primarily serves the property and casualty insurance company markets in the United States; International, which serves the property and casualty insurance company, and self-insurance markets outside the United States; Broadspire, which serves the self-insurance marketplace, primarily in the United States, and Garden City Group, which serves the class action, regulatory, mass tort, bankruptcy and other legal settlement markets, primarily in the United States.

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