Conifer (CNFR) and National Interstate (NATL) Head-To-Head Contrast

Conifer (NASDAQ: CNFR) and National Interstate (NASDAQ:NATL) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, dividends, risk, profitability, analyst recommendations and institutional ownership.

Dividends

National Interstate pays an annual dividend of $0.56 per share and has a dividend yield of 1.7%. Conifer does not pay a dividend. National Interstate pays out 40.6% of its earnings in the form of a dividend.

Insider & Institutional Ownership

28.2% of Conifer shares are owned by institutional investors. Comparatively, 84.9% of National Interstate shares are owned by institutional investors. 45.5% of Conifer shares are owned by company insiders. Comparatively, 11.8% of National Interstate shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Conifer and National Interstate’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Conifer $93.88 million 0.54 -$8.43 million ($3.42) -1.75
National Interstate N/A N/A N/A $1.38 23.56

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

Analyst Ratings

This is a summary of recent recommendations and price targets for Conifer and National Interstate, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Conifer 0 1 0 0 2.00
National Interstate 0 0 0 0 N/A

Profitability

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

Net Margins Return on Equity Return on Assets
Conifer -27.29% -43.07% -12.67%
National Interstate 5.91% 10.13% 1.94%

Summary

National Interstate beats Conifer on 7 of the 10 factors compared between the two stocks.

Conifer Company Profile

Conifer Holdings, Inc. is an insurance holding company. Through its insurance company subsidiaries, the Company offers insurance coverage in both specialty commercial and specialty personal product lines. It operates through two segments: commercial lines and personal lines. It is engaged in underwriting and marketing insurance coverage, and administering claims processing for such policies. The Company offers coverage for property, liability, automobile, and other miscellaneous coverage primarily to owner-operated small and mid-sized businesses, professional organizations and hospitality businesses, such as restaurants, bars and taverns. The Company offers coverage for low-value dwelling, wind-exposed homeowners and automobile. Its personal lines products include Catastrophe coverage, including hurricane and wind coverage, to underserved homeowners in Florida, Hawaii and Texas, and Dwelling insurance.

National Interstate Company Profile

National Interstate Corporation and its subsidiaries operate as an insurance holding company that underwrites and sells traditional and alternative property and casualty insurance products to the passenger transportation, trucking and moving and storage industries, general commercial insurance to small businesses in Hawaii and Alaska and personal insurance to owners of recreational vehicles throughout the United States. The Company is a specialty property and casualty insurance company with a focus on the transportation industry. The Company operates through property and casualty insurance segment. The Company offers approximately 40 product lines in the specialty property and casualty insurance market, which it groups into approximately four general business components: alternative risk transfer (ART), transportation, specialty personal lines, and Hawaii and Alaska based on the class of business, insureds’ risk participation or geographic location.

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