Atlas Financial (NASDAQ:AFH) and Protective Insurance Corp Class B (NASDAQ:PTVCB) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, earnings, valuation, risk and dividends.
This table compares Atlas Financial and Protective Insurance Corp Class B’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Protective Insurance Corp Class B||6.26%||3.96%||1.20%|
76.6% of Atlas Financial shares are held by institutional investors. Comparatively, 48.0% of Protective Insurance Corp Class B shares are held by institutional investors. 15.1% of Atlas Financial shares are held by insiders. Comparatively, 38.1% of Protective Insurance Corp Class B shares are held 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.
Volatility and Risk
Atlas Financial has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500. Comparatively, Protective Insurance Corp Class B has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500.
This is a breakdown of recent ratings and target prices for Atlas Financial and Protective Insurance Corp Class B, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Protective Insurance Corp Class B||0||0||0||0||N/A|
Atlas Financial currently has a consensus target price of $17.00, indicating a potential upside of 69.49%. Given Atlas Financial’s higher probable upside, research analysts plainly believe Atlas Financial is more favorable than Protective Insurance Corp Class B.
Protective Insurance Corp Class B pays an annual dividend of $1.12 per share and has a dividend yield of 4.9%. Atlas Financial does not pay a dividend.
Earnings and Valuation
This table compares Atlas Financial and Protective Insurance Corp Class B’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Atlas Financial||$221.98 million||0.54||-$38.81 million||($3.62)||-2.77|
|Protective Insurance Corp Class B||$371.23 million||0.93||$18.32 million||N/A||N/A|
Protective Insurance Corp Class B has higher revenue and earnings than Atlas Financial.
Protective Insurance Corp Class B beats Atlas Financial on 8 of the 12 factors compared between the two stocks.
About Atlas Financial
Atlas Financial Holdings, Inc., through its subsidiaries, engages in underwriting commercial automobile insurance policies in the United States. Its automobile insurance products provide insurance coverage in three primary areas, including liability, accident benefits, and physical damage. The company focuses on the light commercial automobile sector, including taxi cabs, non-emergency para-transit, limousine, livery, and business autos. The company distributes its insurance products through a network of retail independent agents. Atlas Financial Holdings, Inc. is headquartered in Schaumburg, Illinois.
About Protective Insurance Corp Class B
Protective Insurance Corporation, through its subsidiaries, engages in marketing and underwriting property and casualty insurance products. The company offers a range of fleet transportation insurance products, including commercial motor vehicle liability, physical damage, and general liability insurance; workers compensation insurance; medical and indemnity insurance products; non-trucking motor vehicle liability insurance; fidelity and surety bonds; and inland marine products consisting of cargo insurance. It also provides various additional services, such as risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control, and cost studies; research, development, and consultation in connection with new insurance programs that comprise development of systems to assist customers in monitoring their accident data; and claims handling services to clients with self-insurance programs. It serves trucking and public transportation fleets, as well as independent contractors in the trucking industry. The company primarily operates in the United States, Canada, Bermuda, and Puerto Rico. Protective Insurance Corporation was founded in 1930 and is headquartered in Carmel, Indiana.
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