China Life Insurance (NYSE:LFC) vs. UTG (NYSE:UTGN) Financial Analysis

China Life Insurance (NYSE:LFC) and UTG (OTCMKTS:UTGN) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, earnings, profitability, institutional ownership, risk, valuation and analyst recommendations.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for China Life Insurance and UTG, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
China Life Insurance 0 5 4 0 2.44
UTG 0 0 0 0 N/A



Profitability

This table compares China Life Insurance and UTG’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
China Life Insurance 3.60% 7.04% 0.75%
UTG N/A 18.44% 5.24%

Insider & Institutional Ownership

0.3% of China Life Insurance shares are held by institutional investors. 69.8% of UTG shares are held 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.

Earnings & Valuation

This table compares China Life Insurance and UTG’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
China Life Insurance $91.03 billion 0.80 $1.72 billion $0.28 46.18
UTG $41.27 million 2.40 $12.39 million N/A N/A

China Life Insurance has higher revenue and earnings than UTG.

Risk & Volatility

China Life Insurance has a beta of 1.44, meaning that its stock price is 44% more volatile than the S&P 500. Comparatively, UTG has a beta of -0.04, meaning that its stock price is 104% less volatile than the S&P 500.

Dividends

China Life Insurance pays an annual dividend of $0.09 per share and has a dividend yield of 0.7%. UTG does not pay a dividend. China Life Insurance pays out 32.1% of its earnings in the form of a dividend.

Summary

China Life Insurance beats UTG on 7 of the 12 factors compared between the two stocks.

About China Life Insurance

China Life Insurance Company Limited, together with its subsidiaries, operates as a life insurance company in the People's Republic of China. It operates in four segments: Life Insurance Business, Health Insurance Business, Accident Insurance Business, and Other Businesses. The company offers individual and group life, annuity, accident, and health insurance products, as well as pension products. It is also involved in the asset management, annuity, retirement properties investment, fund management, financial service, health management, investment, investment management, and reinsurance businesses. China Life Insurance Company Limited sells its products through agents, direct sales representatives, and dedicated and non-dedicated agencies. The company was founded in 1949 and is headquartered in Beijing, the People's Republic of China. China Life Insurance Company Limited is a subsidiary of China Life Insurance (Group) Company Limited.

About UTG

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. The company also offers reinsurance products. The company was founded in 1984 and is headquartered in Stanford, Kentucky.

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