The Phoenix Companies (NYSE: PNX) and Fidelity and Guaranty Life (NYSE:FGL) are both financials companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, risk, earnings, dividends, analyst recommendations, institutional ownership and valuation.

Earnings and Valuation

This table compares The Phoenix Companies and Fidelity and Guaranty Life’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
The Phoenix Companies N/A N/A N/A N/A N/A
Fidelity and Guaranty Life $1.41 billion 1.29 $550.00 million $3.29 9.47

Fidelity and Guaranty Life has higher revenue and earnings than The Phoenix Companies.

Analyst Ratings

This is a breakdown of recent ratings and target prices for The Phoenix Companies and Fidelity and Guaranty Life, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
The Phoenix Companies 0 0 0 0 N/A
Fidelity and Guaranty Life 0 2 0 0 2.00

Fidelity and Guaranty Life has a consensus price target of $26.40, suggesting a potential downside of 15.25%. Given Fidelity and Guaranty Life’s higher possible upside, analysts plainly believe Fidelity and Guaranty Life is more favorable than The Phoenix Companies.

Dividends

Fidelity and Guaranty Life pays an annual dividend of $0.26 per share and has a dividend yield of 0.8%. The Phoenix Companies does not pay a dividend. Fidelity and Guaranty Life pays out 7.9% of its earnings in the form of a dividend.

Profitability

This table compares The Phoenix Companies and Fidelity and Guaranty Life’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
The Phoenix Companies -10.34% -121.92% -0.83%
Fidelity and Guaranty Life 13.61% 8.00% 0.55%

Insider and Institutional Ownership

23.4% of Fidelity and Guaranty Life shares are owned by institutional investors. 0.6% of Fidelity and Guaranty Life shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Fidelity and Guaranty Life beats The Phoenix Companies on 8 of the 9 factors compared between the two stocks.

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.

About Fidelity and Guaranty Life

Fidelity & Guaranty Life (FGL) is a holding company focused on obtaining controlling equity stakes in companies that operate across various industries. FGL’s primary business is the sale of individual life insurance products and annuities through independent agents, managing general agents, and specialty brokerage firms and in selected institutional markets. FGL’s principal products are deferred annuities (including fixed indexed annuity (FIA) contracts), immediate annuities and life insurance products. FGL markets products through its insurance subsidiaries, Fidelity & Guaranty Life Insurance Company (FGL Insurance) and Fidelity & Guaranty Life Insurance Company of New York (FGL NY Insurance). It distributes and services primarily fixed rate annuities, including FIAs. The Company provides FIA’s for pre-retirement wealth accumulation and post-retirement income management. Its life insurance provides wealth protection and transfer opportunities through indexed universal life products.

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