Financial Analysis: Enstar Gr (ESGR) vs. Assurant (NYSE:AIZ)

Assurant (NYSE: AIZ) and Enstar Gr (NASDAQ:ESGR) are both mid-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership and risk.

Institutional & Insider Ownership

93.0% of Assurant shares are owned by institutional investors. Comparatively, 81.8% of Enstar Gr shares are owned by institutional investors. 0.8% of Assurant shares are owned by insiders. Comparatively, 9.9% of Enstar Gr shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Dividends

Assurant pays an annual dividend of $2.24 per share and has a dividend yield of 2.4%. Enstar Gr does not pay a dividend. Assurant pays out 56.3% of its earnings in the form of a dividend. Assurant has raised its dividend for 14 consecutive years.

Volatility and Risk

Assurant has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500. Comparatively, Enstar Gr has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Assurant and Enstar Gr, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Assurant 0 0 1 0 3.00
Enstar Gr 0 0 0 0 N/A

Assurant currently has a consensus target price of $115.00, suggesting a potential upside of 25.27%. Given Assurant’s higher probable upside, analysts plainly believe Assurant is more favorable than Enstar Gr.

Profitability

This table compares Assurant and Enstar Gr’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Assurant 8.10% 5.24% 0.71%
Enstar Gr 28.14% 10.00% 2.07%

Earnings and Valuation

This table compares Assurant and Enstar Gr’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Assurant $6.42 billion 0.75 $519.60 million $3.98 23.07
Enstar Gr $1.11 billion 3.72 $311.45 million N/A N/A

Assurant has higher revenue and earnings than Enstar Gr.

Summary

Assurant beats Enstar Gr on 8 of the 15 factors compared between the two stocks.

About Assurant

Assurant, Inc. is a provider of risk management solutions in the housing and lifestyle markets. The Company operates in North America, Latin America, Europe and Asia. The Company’s segments include Global Housing, Global Lifestyle and Global Preneed. Through its Global Housing segment, it provides lender-placed homeowners, manufactured housing and flood insurance; renters insurance and related products (multi-family housing business), and field services, valuation services and other property risk management services (mortgage solutions business). Through its Global Lifestyle segment, it provides mobile device protection products and related services and extended service products and related services for consumer electronics and appliances (global connected living business); vehicle protection services, and credit insurance. The Global Preneed segment provides pre-funded funeral insurance and annuity products. Its Global Preneed Segment operates in the United States and Canada.

About Enstar Gr

Enstar Group Limited acquires and manages insurance and reinsurance companies, and portfolios of insurance and reinsurance business in run-off. It operates in three segments: Non-Life Run-Off, Atrium, and StarStone. The Non-Life Run-Off segment engages in the running off property and casualty, and other non-life lines of businesses. It also provides consulting services, including claims inspection, claims validation, reinsurance asset collection, and IT consulting services to the insurance and reinsurance industry. The Atrium segment is involved in underwriting various classes, including marine, aviation, transit, property and casualty binding authorities, reinsurance, accident and health, and non marine direct and facultative. The StarStone segment offers a range of property, casualty, and specialty insurance products to large multi-national, and small and middle-market clients. The company operates in Bermuda, the United States, the United Kingdom, Continental Europe, Australia, and internationally. The company was formerly known as Castlewood Holdings Limited and changed its name to Enstar Group Limited as a result of its merger with The Enstar Group, Inc. in January 2007. Enstar Group Limited was founded in 2001 and is headquartered in Hamilton, Bermuda.

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