D/B/A Chubb Limited New (NYSE: CB) and Patriot National (NYSE:PN) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitabiliy, risk, dividends and earnings.
Insider and Institutional Ownership
88.7% of D/B/A Chubb Limited New shares are held by institutional investors. Comparatively, 15.7% of Patriot National shares are held by institutional investors. 0.4% of D/B/A Chubb Limited New shares are held by insiders. Comparatively, 59.9% of Patriot National shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Volatility & Risk
D/B/A Chubb Limited New has a beta of 0.91, suggesting that its stock price is 9% less volatile than the S&P 500. Comparatively, Patriot National has a beta of 2.73, suggesting that its stock price is 173% more volatile than the S&P 500.
Earnings and Valuation
This table compares D/B/A Chubb Limited New and Patriot National’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|D/B/A Chubb Limited New||$31.62 billion||2.14||$6.12 billion||$11.37||12.78|
|Patriot National||$233.03 million||0.26||$31.71 million||($0.02)||-111.00|
D/B/A Chubb Limited New has higher revenue and earnings than Patriot National. Patriot National is trading at a lower price-to-earnings ratio than D/B/A Chubb Limited New, indicating that it is currently the more affordable of the two stocks.
D/B/A Chubb Limited New pays an annual dividend of $2.84 per share and has a dividend yield of 2.0%. Patriot National does not pay a dividend. D/B/A Chubb Limited New pays out 25.0% of its earnings in the form of a dividend. Patriot National has increased its dividend for 51 consecutive years.
This table compares D/B/A Chubb Limited New and Patriot National’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|D/B/A Chubb Limited New||16.68%||10.18%||3.09%|
This is a breakdown of current ratings for D/B/A Chubb Limited New and Patriot National, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|D/B/A Chubb Limited New||1||2||8||0||2.64|
D/B/A Chubb Limited New presently has a consensus price target of $154.22, suggesting a potential upside of 6.10%. Patriot National has a consensus price target of $7.75, suggesting a potential upside of 249.10%. Given Patriot National’s higher possible upside, analysts plainly believe Patriot National is more favorable than D/B/A Chubb Limited New.
D/B/A Chubb Limited New beats Patriot National on 11 of the 16 factors compared between the two stocks.
D/B/A Chubb Limited New Company Profile
Chubb Limited is a holding company. The Company, through its subsidiaries, provides a range of insurance and reinsurance products and services to clients around the world. Its segments include North America Commercial property and casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance and Life Insurance. It offers commercial insurance products and service offerings, such as risk management programs, loss control, and engineering and complex claims management. It provides specialized insurance products to areas, such as aviation and energy. It also offers personal lines insurance coverage, including homeowners, automobile, valuables, umbrella liability and recreational marine products. In addition, it supplies personal accident, supplemental health and life insurance to individuals in select countries.
Patriot National Company Profile
Patriot National, Inc. is an independent national provider of technology-enabled outsourcing solutions that help insurance carriers, employers and other clients mitigate risk and comply with complex regulations. It offers a range of end-to-end insurance related and specialty services. The Company principally offers approximately two types of services: front-end services, such as brokerage, underwriting and policyholder services, and back-end services, such as claims adjudication and administration. It also offers specialty services, including technology outsourcing and other information technology (IT) services, as well as employment pre-screening and background checks. The Company’s brokerage and policyholder services include general agency services and specialty underwriting and policyholder services provided to its insurance carrier clients. The Company’s claims administration services relate to the administration and resolution of workers’ compensation claims.
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