EMC Insurance Group (NASDAQ: EMCI) is one of 92 publicly-traded companies in the “Property & Casualty Insurance” industry, but how does it compare to its rivals? We will compare EMC Insurance Group to related companies based on the strength of its institutional ownership, profitability, earnings, risk, dividends, valuation and analyst recommendations.

Dividends

EMC Insurance Group pays an annual dividend of $0.84 per share and has a dividend yield of 3.0%. EMC Insurance Group pays out 46.9% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.4% and pay out 26.8% of their earnings in the form of a dividend.

Volatility and Risk

EMC Insurance Group has a beta of 0.92, meaning that its share price is 8% less volatile than the S&P 500. Comparatively, EMC Insurance Group’s rivals have a beta of 0.93, meaning that their average share price is 7% less volatile than the S&P 500.

Profitability

This table compares EMC Insurance Group and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
EMC Insurance Group 5.87% 5.66% 1.98%
EMC Insurance Group Competitors 9.95% 5.22% 2.67%

Valuation & Earnings

This table compares EMC Insurance Group and its rivals revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
EMC Insurance Group $649.90 million N/A 15.89
EMC Insurance Group Competitors $11.75 billion $2.00 billion 36.20

EMC Insurance Group’s rivals have higher revenue and earnings than EMC Insurance Group. EMC Insurance Group is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a summary of current ratings and target prices for EMC Insurance Group and its rivals, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
EMC Insurance Group 0 1 0 0 2.00
EMC Insurance Group Competitors 602 2243 2124 42 2.32

EMC Insurance Group currently has a consensus target price of $30.00, suggesting a potential upside of 5.49%. As a group, “Property & Casualty Insurance” companies have a potential downside of 0.78%. Given EMC Insurance Group’s higher possible upside, research analysts plainly believe EMC Insurance Group is more favorable than its rivals.

Insider & Institutional Ownership

28.2% of EMC Insurance Group shares are held by institutional investors. Comparatively, 60.8% of shares of all “Property & Casualty Insurance” companies are held by institutional investors. 4.5% of EMC Insurance Group shares are held by company insiders. Comparatively, 15.5% of shares of all “Property & Casualty Insurance” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

EMC Insurance Group rivals beat EMC Insurance Group on 11 of the 14 factors compared.

About EMC Insurance Group

EMC Insurance Group Inc. is an insurance holding company. The Company operates through two segments: Property and Casualty Insurance and Reinsurance segment. It conducts its property and casualty insurance operations through its subsidiaries, including EMCASCO Insurance Company, Illinois EMCASCO Insurance Company and Dakota Fire Insurance Company, and its reinsurance operations through its subsidiary, EMC Reinsurance Company. The Company focuses on the sale of commercial lines of property and casualty insurance to small and medium-sized businesses. The Company offered its insurance products in 41 states, as of December 31, 2016. The Company is owned by Employers Mutual Casualty Company (Employers Mutual), a multiple-line property and casualty insurance company. The Company’s insurance agency, EMC Underwriters, LLC (EMC Underwriters), specializes in marketing excess and surplus lines of insurance.

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