Kingsway Financial Services (NYSE:KFS) and Ms&Ad Insurance Group (OTCMKTS:MSADY) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, dividends, valuation, analyst recommendations, profitability, earnings and risk.
Valuation & Earnings
This table compares Kingsway Financial Services and Ms&Ad Insurance Group’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Kingsway Financial Services||$52.64 million||0.94||-$26.68 million||N/A||N/A|
|Ms&Ad Insurance Group||$49.62 billion||0.38||$1.73 billion||$1.56||10.38|
This table compares Kingsway Financial Services and Ms&Ad Insurance Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Kingsway Financial Services||N/A||N/A||N/A|
|Ms&Ad Insurance Group||3.70%||7.01%||0.84%|
Volatility and Risk
Kingsway Financial Services has a beta of -0.28, indicating that its stock price is 128% less volatile than the S&P 500. Comparatively, Ms&Ad Insurance Group has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500.
Insider & Institutional Ownership
29.0% of Kingsway Financial Services shares are owned by institutional investors. Comparatively, 0.1% of Ms&Ad Insurance Group shares are owned by institutional investors. 49.0% of Kingsway Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Ms&Ad Insurance Group pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. Kingsway Financial Services does not pay a dividend. Ms&Ad Insurance Group pays out 30.8% of its earnings in the form of a dividend.
This is a breakdown of current ratings for Kingsway Financial Services and Ms&Ad Insurance Group, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Kingsway Financial Services||0||0||0||0||N/A|
|Ms&Ad Insurance Group||0||0||0||0||N/A|
Ms&Ad Insurance Group beats Kingsway Financial Services on 7 of the 11 factors compared between the two stocks.
Kingsway Financial Services Company Profile
Kingsway Financial Services Inc., through its subsidiaries, provides property and casualty insurance products in the United States. The company operates through three segments: Insurance Underwriting, Extended Warranty, and Leased Real Estate. The Insurance Underwriting segment offers various automobile insurance products, including liability insurance that covers claims against its insured's responsible for automobile accidents; accident benefit policies or personal injury protection policies that provide coverage for loss of income, medical, and rehabilitation expenses for insured persons who are injured in an automobile accident; and physical damage policies, which cover damages to an insured automobile arising from a collision with another object, as well as from other risks, such as fire or theft. The Extended Warranty segment markets and administers vehicle service agreements and related products for new and used automobiles. This segment also markets and distributes warranty products to manufacturers, distributors, and installers of heating, ventilation and air conditioning, standby generator, commercial LED lighting, and refrigeration equipment; and equipment breakdown and maintenance support services to companies. The Leased Real Estate segment owns the Real Property, which is subject to a long-term triple net lease agreement. The company offers its products and services to credit unions, consumers, and businesses through a network of independent agencies. Kingsway Financial Services Inc. was founded in 1989 and is based in Itasca, Illinois.
Ms&Ad Insurance Group Company Profile
MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers various life and non-life insurance products, including fire and allied, marine, personal accident, voluntary automobile, compulsory automobile liability, medical and nursing care, and other insurance products; individual annuity insurance and whole life insurance products; and reinsurance services, as well as income guarantee insurance products. It also provides financial services, including asset management, financial guarantees, 401k, alternative risk transfer, personal finance, and venture capital finance; and risk management services. In addition, the company offers administration, credit guarantee, and loan services; and roadside assistance and house support services, as well as operates retirement homes and elderly daycare centers. MS&AD Insurance Group Holdings, Inc. provides its products and services through cross-selling, as well as other sales channels, including financial institution agents, life insurance professionals, and direct marketing. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
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