CNO Financial Group (NYSE:CNO – Get Free Report) and International General Insurance (NASDAQ:IGIC – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, risk, profitability, institutional ownership, earnings and dividends.
Profitability
This table compares CNO Financial Group and International General Insurance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CNO Financial Group | 6.64% | 15.81% | 1.06% |
| International General Insurance | 23.76% | 18.36% | 5.82% |
Analyst Recommendations
This is a summary of recent recommendations for CNO Financial Group and International General Insurance, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CNO Financial Group | 0 | 2 | 4 | 0 | 2.67 |
| International General Insurance | 0 | 0 | 3 | 0 | 3.00 |
Dividends
CNO Financial Group pays an annual dividend of $0.68 per share and has a dividend yield of 1.6%. International General Insurance pays an annual dividend of $0.20 per share and has a dividend yield of 0.8%. CNO Financial Group pays out 23.8% of its earnings in the form of a dividend. International General Insurance pays out 7.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CNO Financial Group has raised its dividend for 2 consecutive years and International General Insurance has raised its dividend for 2 consecutive years.
Risk and Volatility
CNO Financial Group has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, International General Insurance has a beta of 0.16, meaning that its stock price is 84% less volatile than the S&P 500.
Valuation & Earnings
This table compares CNO Financial Group and International General Insurance”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CNO Financial Group | $4.45 billion | 0.89 | $404.00 million | $2.86 | 14.50 |
| International General Insurance | $539.00 million | 2.04 | $135.15 million | $2.76 | 8.91 |
CNO Financial Group has higher revenue and earnings than International General Insurance. International General Insurance is trading at a lower price-to-earnings ratio than CNO Financial Group, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
95.4% of CNO Financial Group shares are held by institutional investors. Comparatively, 54.2% of International General Insurance shares are held by institutional investors. 3.0% of CNO Financial Group shares are held by company insiders. Comparatively, 20.1% of International General Insurance shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
About CNO Financial Group
CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, insurance products, and financial services for senior and middle-income markets in the United States. It offers Medicare supplement, supplemental health, and long-term care insurance policies; life insurance; and annuities, as well as Medicare advantage plans to individuals through phone, online, mail, and face-to-face. The company also focuses on sale of voluntary benefit life and health insurance products for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed indexed annuities; fixed interest annuities, including fixed rate single and flexible premium deferred annuities; single premium immediate annuities; supplemental health products, such as specified disease, accident, and hospital indemnity products; and long-term care plans primarily to retirees and older self-employed individuals in the middle-income market. Further, the company offers universal life and other interest-sensitive life products; and traditional life policies that include whole life, graded benefit life, term life, and single premium whole life products, as well as graded benefit life insurance products. It markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company was founded in 1979 and is headquartered in Carmel, Indiana.
About International General Insurance
International General Insurance Holdings Ltd. engages in the provision of specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It is involved in underwriting a portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, motor, marine liability, contingency, marine, treaty, and casualty insurance and reinsurance. The company was founded in 2001 and is based in Amman, Jordan.
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