NI (NASDAQ:NODK) and Hartford Financial Services Group (NYSE:HIG) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, valuation, profitability, dividends, risk and analyst recommendations.
Volatility & Risk
NI has a beta of 0.27, indicating that its share price is 73% less volatile than the S&P 500. Comparatively, Hartford Financial Services Group has a beta of 0.95, indicating that its share price is 5% less volatile than the S&P 500.
This table compares NI and Hartford Financial Services Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Hartford Financial Services Group||8.80%||12.62%||2.85%|
This is a breakdown of recent recommendations and price targets for NI and Hartford Financial Services Group, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Hartford Financial Services Group||0||4||10||0||2.71|
Hartford Financial Services Group has a consensus price target of $53.75, indicating a potential upside of 40.93%. Given Hartford Financial Services Group’s higher possible upside, analysts clearly believe Hartford Financial Services Group is more favorable than NI.
Institutional & Insider Ownership
23.3% of NI shares are held by institutional investors. Comparatively, 89.9% of Hartford Financial Services Group shares are held by institutional investors. 0.6% of NI shares are held by insiders. Comparatively, 1.7% of Hartford Financial Services Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares NI and Hartford Financial Services Group’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|NI||$270.78 million||1.25||$26.40 million||N/A||N/A|
|Hartford Financial Services Group||$20.74 billion||0.66||$2.09 billion||$5.65||6.75|
Hartford Financial Services Group has higher revenue and earnings than NI.
Hartford Financial Services Group beats NI on 8 of the 12 factors compared between the two stocks.
NI Company Profile
NI Holdings, Inc. underwrites property and casualty insurance products in North Dakota, South Dakota, Nebraska, Minnesota, Nevada, Arizona, and Illinois. Its products include multi-peril crop, crop hail, private passenger automobile, farm owners, homeowners, and commercial property and liability insurance policies, as well as non-standard automobile insurance products. The company distributes its insurance products through independent producers and independent agents. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. is a subsidiary of Nodak Mutual Group, Inc.
Hartford Financial Services Group Company Profile
The Hartford Financial Services Group, Inc., through its subsidiaries, provides insurance and financial services to individual and business customers in the United States. Its Commercial Lines segment offers workers' compensation, property, automobile, marine, livestock, liability, and umbrella coverages; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages. This segment provides its products and services through regional offices, branches, sales and policyholder service centers, independent agents, brokers, and wholesalers. The company's Personal Lines segment offers automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment provides coverage for asbestos and environmental exposures. The company's Group Benefits segment offers group life, and accident and disability coverages, as well as other group coverages to members of employer and affinity groups, and associations through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment provides investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment-management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
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