Travelers Companies (NYSE: TRV) and Unico American (NASDAQ:UNAM) are both financials companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, valuation, profitability, analyst recommendations, institutional ownership, risk and dividends.
This is a summary of current recommendations for Travelers Companies and Unico American, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
This table compares Travelers Companies and Unico American’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility & Risk
Travelers Companies has a beta of 1.29, suggesting that its stock price is 29% more volatile than the S&P 500. Comparatively, Unico American has a beta of -0.51, suggesting that its stock price is 151% less volatile than the S&P 500.
Travelers Companies pays an annual dividend of $2.88 per share and has a dividend yield of 2.0%. Unico American does not pay a dividend. Travelers Companies pays out 37.0% of its earnings in the form of a dividend. Unico American has increased its dividend for 9 consecutive years.
Insider & Institutional Ownership
79.4% of Travelers Companies shares are held by institutional investors. Comparatively, 26.8% of Unico American shares are held by institutional investors. 0.8% of Travelers Companies shares are held by company insiders. Comparatively, 54.1% of Unico American shares 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.
Valuation and Earnings
This table compares Travelers Companies and Unico American’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Travelers Companies||$28.90 billion||1.34||$2.06 billion||$7.78||18.29|
|Unico American||$35.27 million||1.24||-$1.40 million||($1.01)||-8.17|
Travelers Companies has higher revenue and earnings than Unico American. Unico American is trading at a lower price-to-earnings ratio than Travelers Companies, indicating that it is currently the more affordable of the two stocks.
Travelers Companies beats Unico American on 13 of the 16 factors compared between the two stocks.
Travelers Companies Company Profile
The Travelers Companies, Inc. is a holding company. The Company’s segments include Business and International Insurance; Bond & Specialty Insurance, and Personal Insurance. Through its subsidiaries, it provides commercial and personal property and casualty insurance products and services. The Business and International Insurance segment offers property and casualty insurance and insurance related services to its clients, in the United States and in Canada, as well as in the United Kingdom, the Republic of Ireland, Brazil and throughout other parts of the world. The Bond & Specialty Insurance segment provides surety, fidelity, management liability, professional liability, and other property and casualty coverages and related risk management services to a range of primarily domestic customers, utilizing various degrees of financially-based underwriting approaches. The Personal Insurance segment writes a range of property and casualty insurance covering individuals’ personal risks.
Unico American Company Profile
Unico American Corporation is an insurance holding company. The Company underwrites property and casualty insurance through its insurance company subsidiary. It also provides property, casualty and health insurance through its agency subsidiaries and provides insurance premium financing and membership association services through its other subsidiaries. The Company’s operations are categorized between the Company’s segment, the insurance company operation and other insurance operations. The Company’s remaining operations constitute a range of specialty insurance services. The Company’s insurance company operation is conducted through Crusader Insurance Company (Crusader), its property and casualty insurance company. Crusader is a multiple line property and casualty insurance company. Crusader is licensed as an admitted insurance carrier in the states of Arizona, California, Nevada, Oregon and Washington.
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