Fidelis Insurance (NYSE:FIHL – Get Free Report) and Goosehead Insurance (NASDAQ:GSHD – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, risk, profitability, earnings, institutional ownership and dividends.
Volatility and Risk
Fidelis Insurance has a beta of 0.36, suggesting that its share price is 64% less volatile than the S&P 500. Comparatively, Goosehead Insurance has a beta of 1.62, suggesting that its share price is 62% more volatile than the S&P 500.
Insider & Institutional Ownership
82.0% of Fidelis Insurance shares are owned by institutional investors. 38.1% of Goosehead Insurance shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Fidelis Insurance | 2 | 3 | 3 | 0 | 2.13 |
| Goosehead Insurance | 2 | 5 | 7 | 0 | 2.36 |
Fidelis Insurance currently has a consensus price target of $21.92, indicating a potential downside of 5.37%. Goosehead Insurance has a consensus price target of $67.45, indicating a potential upside of 60.07%. Given Goosehead Insurance’s stronger consensus rating and higher probable upside, analysts clearly believe Goosehead Insurance is more favorable than Fidelis Insurance.
Profitability
This table compares Fidelis Insurance and Goosehead Insurance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Fidelis Insurance | 9.02% | 8.62% | 1.62% |
| Goosehead Insurance | 7.94% | -20.96% | 8.50% |
Earnings and Valuation
This table compares Fidelis Insurance and Goosehead Insurance”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Fidelis Insurance | $2.17 billion | 1.03 | $225.50 million | $2.21 | 10.48 |
| Goosehead Insurance | $365.30 million | 4.11 | $27.83 million | $1.14 | 36.96 |
Fidelis Insurance has higher revenue and earnings than Goosehead Insurance. Fidelis Insurance is trading at a lower price-to-earnings ratio than Goosehead Insurance, indicating that it is currently the more affordable of the two stocks.
Summary
Goosehead Insurance beats Fidelis Insurance on 8 of the 14 factors compared between the two stocks.
About Fidelis Insurance
Fidelis Insurance Holdings Limited, a specialty insurer, provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, as well as other risk transfer opportunities, including political violence and terrorism, limited cyber reinsurance, tax liabilities, title, transactional liabilities, and other bespoke solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.
About Goosehead Insurance
Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers homeowner’s, automotive, dwelling property, flood, wind, earthquake, excess liability or umbrella, motorcycle, recreational vehicle, general liability, property, and life insurance products and services. As of December 31, 2023, it operated 1,415 franchise locations. The company was founded in 2003 and is headquartered in Westlake, Texas.
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