American Coastal Insurance (NASDAQ:ACIC – Get Free Report) and MS&AD Insurance Group (OTCMKTS:MSADY – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their profitability, valuation, risk, analyst recommendations, institutional ownership, earnings and dividends.
Profitability
This table compares American Coastal Insurance and MS&AD Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| American Coastal Insurance | 25.95% | 30.06% | 6.84% |
| MS&AD Insurance Group | 9.93% | 16.69% | 2.64% |
Institutional and Insider Ownership
22.1% of American Coastal Insurance shares are held by institutional investors. Comparatively, 0.0% of MS&AD Insurance Group shares are held by institutional investors. 49.9% of American Coastal Insurance shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| American Coastal Insurance | $296.66 million | 1.85 | $75.72 million | $1.71 | 6.59 |
| MS&AD Insurance Group | $43.74 billion | 0.86 | $4.56 billion | $3.26 | 7.71 |
MS&AD Insurance Group has higher revenue and earnings than American Coastal Insurance. American Coastal Insurance is trading at a lower price-to-earnings ratio than MS&AD Insurance Group, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
American Coastal Insurance has a beta of -0.55, suggesting that its stock price is 155% less volatile than the S&P 500. Comparatively, MS&AD Insurance Group has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current ratings and target prices for American Coastal Insurance and MS&AD Insurance Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| American Coastal Insurance | 0 | 1 | 1 | 0 | 2.50 |
| MS&AD Insurance Group | 0 | 1 | 0 | 0 | 2.00 |
Summary
American Coastal Insurance beats MS&AD Insurance Group on 8 of the 13 factors compared between the two stocks.
About American Coastal Insurance
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
About MS&AD Insurance Group
MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers domestic non-life insurance; life insurance; international business; financial services; and provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
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