Head to Head Survey: 1347 Property Insurance (NASDAQ:PIH) and HCI Group (HCI)

1347 Property Insurance (NASDAQ:PIH) and HCI Group (NYSE:HCI) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, valuation, profitability and analyst recommendations.

Analyst Recommendations

This is a summary of recent ratings and price targets for 1347 Property Insurance and HCI Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1347 Property Insurance 0 0 1 0 3.00
HCI Group 0 1 1 0 2.50

1347 Property Insurance presently has a consensus price target of $7.00, suggesting a potential upside of 24.33%. HCI Group has a consensus price target of $46.00, suggesting a potential upside of 13.16%. Given 1347 Property Insurance’s stronger consensus rating and higher probable upside, equities analysts plainly believe 1347 Property Insurance is more favorable than HCI Group.

Profitability

This table compares 1347 Property Insurance and HCI Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1347 Property Insurance -1.69% -0.11% -0.03%
HCI Group 6.13% 8.44% 1.97%

Institutional and Insider Ownership

39.0% of 1347 Property Insurance shares are owned by institutional investors. Comparatively, 61.4% of HCI Group shares are owned by institutional investors. 47.2% of 1347 Property Insurance shares are owned by company insiders. Comparatively, 22.3% of HCI Group shares are owned by company 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.

Dividends

HCI Group pays an annual dividend of $1.60 per share and has a dividend yield of 3.9%. 1347 Property Insurance does not pay a dividend. HCI Group pays out 49.5% of its earnings in the form of a dividend. HCI Group has raised its dividend for 5 consecutive years.

Risk and Volatility

1347 Property Insurance has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, HCI Group has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500.

Valuation & Earnings

This table compares 1347 Property Insurance and HCI Group’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
1347 Property Insurance $58.22 million 0.58 $800,000.00 $0.22 25.59
HCI Group $231.29 million 1.49 $17.73 million $3.23 12.59

HCI Group has higher revenue and earnings than 1347 Property Insurance. HCI Group is trading at a lower price-to-earnings ratio than 1347 Property Insurance, indicating that it is currently the more affordable of the two stocks.

Summary

HCI Group beats 1347 Property Insurance on 11 of the 16 factors compared between the two stocks.

1347 Property Insurance Company Profile

1347 Property Insurance Holdings, Inc., an insurance holding company, provides property and casualty insurance products to individuals in Louisiana, Florida, and Texas. The company offers homeowners' insurance, manufactured home insurance, dwelling fire insurance, and wind/hail insurance products, as well as reinsurance products. It offers its insurance policies through a network of independent agents. The company was formerly known as Maison Insurance Holdings, Inc. and changed its name to 1347 Property Insurance Holdings, Inc. in March 2014. 1347 Property Insurance Holdings, Inc. was founded in 2012 and is based in Tampa, Florida.

HCI Group Company Profile

HCI Group, Inc. engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners insurance, flood insurance, and wind-only insurance to homeowners, condominium owners, and tenants, as well as offers reinsurance programs. The company also owns and operates one full-service restaurant, two marinas, three retail shopping centers, one office building, and one vacant shopping center for investment purposes. In addition, it designs and develops Web-based applications and products for mobile devices. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was founded in 2006 and is headquartered in Tampa, Florida.

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