Metromile (NASDAQ:MILE) & Conifer (NASDAQ:CNFR) Head to Head Analysis

Conifer (NASDAQ:CNFRGet Rating) and Metromile (NASDAQ:MILEGet Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability and institutional ownership.

Risk & Volatility

Conifer has a beta of 1.14, indicating that its share price is 14% more volatile than the S&P 500. Comparatively, Metromile has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500.

Insider and Institutional Ownership

36.9% of Conifer shares are owned by institutional investors. Comparatively, 62.5% of Metromile shares are owned by institutional investors. 53.5% of Conifer shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Conifer and Metromile’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Conifer 0.58% -24.66% -3.47%
Metromile -130.53% -57.64% -35.26%

Earnings and Valuation

This table compares Conifer and Metromile’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Conifer $115.96 million 0.13 -$1.09 million $0.07 22.00
Metromile $104.90 million 1.27 -$216.46 million ($1.81) -0.56

Conifer has higher revenue and earnings than Metromile. Metromile is trading at a lower price-to-earnings ratio than Conifer, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and price targets for Conifer and Metromile, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Conifer 0 0 0 0 N/A
Metromile 0 2 0 0 2.00

Metromile has a consensus price target of $4.53, suggesting a potential upside of 343.63%. Given Metromile’s higher possible upside, analysts plainly believe Metromile is more favorable than Conifer.

Summary

Conifer beats Metromile on 9 of the 12 factors compared between the two stocks.

About Conifer (Get Rating)

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,600 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Birmingham, Michigan.

About Metromile (Get Rating)

Metromile, Inc. provides insurance policies for automobile owners in the United States. It operates through two segments, Insurance Services and Enterprise Business Solutions. The company offers pay-per-mile auto insurance policies. It also provides The Pulse, a device that plugs into the diagnostic port of its customer's car and transmits data, such as miles driven, driving habits, phone use, speeding, hard braking, accelerating, cornering, and location over wireless cellular networks. In addition, the company offers access to its technology under software as a service arrangement, as well as professional services to third-party customers. Metromile, Inc. was founded in 2011 and is headquartered in San Francisco, California.

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