State National Companies (NASDAQ: SNC) is one of 85 publicly-traded companies in the “Property & Casualty Insurance” industry, but how does it weigh in compared to its competitors? We will compare State National Companies to related businesses based on the strength of its risk, earnings, profitability, dividends, analyst recommendations, valuation and institutional ownership.

Institutional & Insider Ownership

58.6% of State National Companies shares are held by institutional investors. Comparatively, 60.2% of shares of all “Property & Casualty Insurance” companies are held by institutional investors. 34.8% of State National Companies shares are held by company insiders. Comparatively, 15.6% of shares of all “Property & Casualty Insurance” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and recommmendations for State National Companies and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
State National Companies 1 2 4 0 2.43
State National Companies Competitors 638 2334 2212 49 2.32

State National Companies currently has a consensus target price of $50.80, indicating a potential upside of 141.67%. As a group, “Property & Casualty Insurance” companies have a potential downside of 0.09%. Given State National Companies’ stronger consensus rating and higher possible upside, equities research analysts clearly believe State National Companies is more favorable than its competitors.

Dividends

State National Companies pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. State National Companies pays out 19.2% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.3% and pay out 14.7% of their earnings in the form of a dividend. State National Companies lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation and Earnings

This table compares State National Companies and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
State National Companies $217.07 million $49.07 million 16.82
State National Companies Competitors $11.51 billion $1.16 billion 148.43

State National Companies’ competitors have higher revenue and earnings than State National Companies. State National Companies is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares State National Companies and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
State National Companies 23.91% 18.02% 1.72%
State National Companies Competitors 6.06% 1.61% 1.23%

State National Companies Company Profile

State National Companies, Inc. is a specialty provider of property and casualty insurance. The Company’s segments include Program Services, Lender Services and Corporate. In the Program Services segment, the Company operates an issuing carrier (fronting) business to provide insurance capacity access to the United States property and casualty insurance markets. In the Lender Services segment, the Company specializes in providing collateral protection insurance, which insures automobiles held as collateral for loans made by financial institutions. The Company writes its insurance business through its insurance company subsidiaries, which include State National Insurance Company, Inc. (SNIC), National Specialty Insurance Company (NSIC) and United Specialty Insurance Company (USIC). As of December 31, 2016, SNIC and NSIC were admitted carriers licensed to write property and casualty business in all 50 states and the District of Columbia. USIC is an admitted carrier in Delaware.

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