Voya Financial (NYSE: FFG) and FBL Financial Group (NYSE:FFG) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.
This is a summary of current ratings and price targets for Voya Financial and FBL Financial Group, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|FBL Financial Group||0||0||0||0||N/A|
Voya Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.1%. FBL Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 2.2%. Voya Financial pays out 1.3% of its earnings in the form of a dividend. FBL Financial Group pays out 42.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. FBL Financial Group has raised its dividend for 5 consecutive years. FBL Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Valuation & Earnings
This table compares Voya Financial and FBL Financial Group’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Voya Financial||$8.62 billion||0.92||-$2.99 billion||$3.01||16.41|
|FBL Financial Group||$735.48 million||2.79||$194.32 million||$4.32||19.16|
FBL Financial Group has lower revenue, but higher earnings than Voya Financial. Voya Financial is trading at a lower price-to-earnings ratio than FBL Financial Group, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Voya Financial has a beta of 1.41, meaning that its share price is 41% more volatile than the S&P 500. Comparatively, FBL Financial Group has a beta of 0.83, meaning that its share price is 17% less volatile than the S&P 500.
Institutional & Insider Ownership
29.7% of FBL Financial Group shares are held by institutional investors. 0.4% of Voya Financial shares are held by insiders. Comparatively, 0.4% of FBL Financial Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
This table compares Voya Financial and FBL Financial Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|FBL Financial Group||26.02%||8.59%||1.11%|
FBL Financial Group beats Voya Financial on 10 of the 16 factors compared between the two stocks.
Voya Financial Company Profile
Voya Financial, Inc. operates as a retirement, investment, and insurance company in the United States. It operates through Retirement, Investment Management, Individual Life, and Employee Benefits segments. The Retirement segment offers tax-deferred employer-sponsored retirement savings plans and administrative services; and individual account rollover plans and other retail financial products, as well as financial planning and advisory services. This segment serves corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers through third-party administrators, wirehouse affiliated brokers, registered investment advisors, independent sales agents, and consulting firms. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual and institutional customers directly, as well as through consultant channel, banks, broker-dealers, and independent financial advisers. The Individual Life segment provides wealth protection and transfer opportunities through universal, variable, and term life products. The Employee Benefits segment offers stop loss, group life, voluntary employee-paid, and disability products through consultants, brokers, third-party administrators, enrollment firms, and technology partners. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was incorporated in 1999 and is based in New York, New York.
FBL Financial Group Company Profile
FBL Financial Group, Inc., through its subsidiaries, sells individual life insurance and annuity products. The Annuity segment sells various traditional annuity products that primarily consist of fixed rate and indexed annuities, and supplementary contracts. The Life Insurance segment offers whole life, term life, and universal life policies. The company markets its products to Farm Bureau members, and other individuals and businesses through exclusive agents and agency managers principally under the consumer brand name of Farm Bureau Financial Services in the Midwestern and Western sections of the United States. FBL Financial Group, Inc. was founded in 1944 and is headquartered in West Des Moines, Iowa.
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