Critical Contrast: Ms&Ad Insurance Group (OTCMKTS:MSADY) & Baldwin & Lyons Inc Class B (OTCMKTS:BWINB)
Ms&Ad Insurance Group (OTCMKTS:MSADY) and Baldwin & Lyons Inc Class B (NASDAQ:BWINB) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, institutional ownership, risk and valuation.
Ms&Ad Insurance Group pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. Baldwin & Lyons Inc Class B pays an annual dividend of $1.12 per share. Baldwin & Lyons Inc Class B has raised its dividend for 3 consecutive years.
This is a summary of recent recommendations for Ms&Ad Insurance Group and Baldwin & Lyons Inc Class B, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Ms&Ad Insurance Group||0||0||0||0||N/A|
|Baldwin & Lyons Inc Class B||0||0||0||0||N/A|
This table compares Ms&Ad Insurance Group and Baldwin & Lyons Inc Class B’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Ms&Ad Insurance Group||4.44%||6.52%||0.83%|
|Baldwin & Lyons Inc Class B||N/A||N/A||N/A|
Valuation and Earnings
This table compares Ms&Ad Insurance Group and Baldwin & Lyons Inc Class B’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Ms&Ad Insurance Group||$46.96 billion||0.40||$1.39 billion||N/A||N/A|
|Baldwin & Lyons Inc Class B||N/A||N/A||N/A||N/A||N/A|
Ms&Ad Insurance Group has higher revenue and earnings than Baldwin & Lyons Inc Class B.
Insider and Institutional Ownership
0.1% of Ms&Ad Insurance Group shares are owned by institutional investors. Comparatively, 47.5% of Baldwin & Lyons Inc Class B shares are owned by institutional investors. 38.1% of Baldwin & Lyons Inc Class B shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Ms&Ad Insurance Group beats Baldwin & Lyons Inc Class B on 5 of the 8 factors compared between the two stocks.
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.
Baldwin & Lyons Inc Class B Company Profile
Baldwin & Lyons, Inc., 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. Baldwin & Lyons, Inc. was founded in 1930 and is headquartered in Carmel, Indiana.
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