American National Insurance Company (ANAT)’s Financial Results Comparing With Argo Group International Holdings Ltd. (NYSE:ARGO)

Both American National Insurance Company (NASDAQ:ANAT) and Argo Group International Holdings Ltd. (NYSE:ARGO) compete on a level playing field in the Property & Casualty Insurance industry. We will evaluate their performance with regards to profitability, analyst recommendations, institutional ownership, risk, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
American National Insurance Company 3.73B 1.03 620.96M 15.40 8.00
Argo Group International Holdings Ltd. 1.86B 1.23 136.10M 3.34 20.81

Table 1 demonstrates American National Insurance Company and Argo Group International Holdings Ltd.’s gross revenue, earnings per share (EPS) and valuation. Argo Group International Holdings Ltd. has lower revenue and earnings than American National Insurance Company. When company has lower P/E means it is more affordable than its counterpart presently. American National Insurance Company’s current P/E ratio is lower than that of Argo Group International Holdings Ltd., which means that it is the affordable of the two.

Profitability

Table 2 provides us the net margins, return on equity and return on assets of both businesses.

Net Margins Return on Equity Return on Assets
American National Insurance Company 16.65% 11.8% 2.3%
Argo Group International Holdings Ltd. 7.32% 7.5% 1.5%

Volatility & Risk

A 1.04 beta indicates that American National Insurance Company is 4.00% more volatile compared to Standard and Poor’s 500. Argo Group International Holdings Ltd.’s 39.00% less volatile than Standard and Poor’s 500 volatility due to the company’s 0.61 beta.

Dividends

American National Insurance Company dividend pay is $3.28 per share with 2.31% dividend yield annually. Meanwhile, Argo Group International Holdings Ltd.’s annual dividend is $1.05 per share and it also boasts of a 1.56% dividend yield.

Insider and Institutional Ownership

Institutional investors owned 66.4% of American National Insurance Company shares and 94.1% of Argo Group International Holdings Ltd. shares. Insiders owned 23.57% of American National Insurance Company shares. Competitively, Argo Group International Holdings Ltd. has 3.5% of it’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
American National Insurance Company -3.43% -2.8% -3.11% 1.65% -0.96% -3.91%
Argo Group International Holdings Ltd. 0.26% 1.18% 11.65% 8.68% 31.56% 29.64%

For the past year American National Insurance Company had bearish trend while Argo Group International Holdings Ltd. had bullish trend.

Summary

On 11 of the 14 factors American National Insurance Company beats Argo Group International Holdings Ltd.

American National Insurance Company, together with its subsidiaries, provides various insurance products and services in the United States, the District of Columbia, and Puerto Rico. The company's Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. Its Annuity segment provides deferred, variable, and single premium immediate annuity products. The company's Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance. Its Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; and commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business within the rural and suburban markets, as well as property, liability, and workers' compensation coverages. This segment also offers credit-related property insurance products comprising collateral or creditor protection insurance; guaranteed auto protection or guaranteed asset protection insurance; and mortgage security insurance. The company distributes its products through career and multiple-line agents, broker-dealers, independent insurance agents and brokers, managing general underwriters, and financial institutions, as well as through direct marketing channels. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.

Argo Group International Holdings, Ltd. underwrites specialty insurance and reinsurance products in the property and casualty markets. The company operates in two segments, U.S. Operations and International Operations. The U.S. Operations segment underwrites primary and excess specialty casualty, and commercial multi-peril, as well as contract, product, environmental, and auto liability products; and workers compensation, general, management, errors and omissions, and public entity liability risks. This segment distributes its products through a network of wholesale agents and brokers. Its International Operations segment offers coverage for long-tail casualty and general liability; catastrophe reinsurance, and direct and facultative excess reinsurance; professional indemnity, directors and officer's liability, and medical malpractice; and direct and facultative excess reinsurance, North American and international binders, and residential collateral protection for lending institutions. This segment also underwrites risks of general liability, international casualty, and motor treaties; and personal accident, aviation, cargo, yachts, and onshore and offshore marine insurance. It sells its reinsurance products through brokers and third-party intermediaries. Argo Group International Holdings, Ltd. was founded in 1986 and is headquartered in Pembroke, Bermuda.