White Mountains Insurance Group (NYSE:WTM) & Seibels Bruce Group (OTCMKTS:SBBG) Critical Review

Seibels Bruce Group (OTCMKTS:SBBG) and White Mountains Insurance Group (NYSE:WTM) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, valuation, dividends, analyst recommendations, institutional ownership and profitability.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Seibels Bruce Group and White Mountains Insurance Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Seibels Bruce Group	0	0	0	0	0.00
White Mountains Insurance Group	0	1	0	0	2.00

Given Seibels Bruce Group’s higher probable upside, equities research analysts clearly believe Seibels Bruce Group is more favorable than White Mountains Insurance Group.

Insider and Institutional Ownership

88.7% of White Mountains Insurance Group shares are owned by institutional investors. 55.4% of Seibels Bruce Group shares are owned by insiders. Comparatively, 3.0% of White Mountains Insurance Group 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.

Profitability

This table compares Seibels Bruce Group and White Mountains Insurance Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Seibels Bruce Group	N/A	N/A	N/A
White Mountains Insurance Group	5.63%	7.19%	3.38%

Risk and Volatility

Seibels Bruce Group has a beta of 5.47, suggesting that its stock price is 447% more volatile than the S&P 500. Comparatively, White Mountains Insurance Group has a beta of 0.36, suggesting that its stock price is 64% less volatile than the S&P 500.

Earnings & Valuation

This table compares Seibels Bruce Group and White Mountains Insurance Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Seibels Bruce Group	N/A	N/A	N/A	N/A	N/A
White Mountains Insurance Group	$2.24 billion	2.32	$230.40 million	$54.34	37.67

White Mountains Insurance Group has higher revenue and earnings than Seibels Bruce Group.

Summary

White Mountains Insurance Group beats Seibels Bruce Group on 6 of the 9 factors compared between the two stocks.

About Seibels Bruce Group

The Seibels Bruce Group, Inc. provides processing, technology, and claims solutions to the property and casualty insurance industry. The company offers processing solutions for coastal markets; business process outsourcing; claims administration solutions; information technology outsourcing; and professional services. It also provides technology solutions, such as IPX enterprise insurance suite, CPX claims management system, FNOL first notice of loss, and reinspection processing xpert solutions; and claims solutions, including third party administration, catastrophe management, first notice of loss, multi-line adjusting and examination, reinspection, and subrogation/salvage services. The company was founded in 1869 and is based in Columbia, South Carolina.

About White Mountains Insurance Group

White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through HG Global/BAM, Ark/WM Outrigger, Kudu, and Other Operations segments. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services. The Ark/WM Outrigger segment offers reinsurance and insurance, including property, marine and energy, accident and health, casualty, and specialty products. The Kudu segment provides capital solutions to boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisitions and growth finances, and legacy partner liquidity, as well as strategic assistance to investees. The Other Operations segment offers insurance solutions to travel industry through broker channel and on a direct-to-consumer basis; and manages separate accounts and pooled investment vehicles for insurance-linked securities sectors, including catastrophe bonds, collateralized reinsurance investments, and industry loss warranties of third-party clients. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.