FGL (NYSE:FG) and Emergent Capital (OTCMKTS:EMGC) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, institutional ownership, earnings, dividends, valuation, analyst recommendations and profitability.
Valuation and Earnings
This table compares FGL and Emergent Capital’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|FGL||$1.72 billion||1.10||$41.00 million||N/A||N/A|
|Emergent Capital||$51.87 million||0.70||-$3.50 million||N/A||N/A|
FGL has higher revenue and earnings than Emergent Capital.
This is a breakdown of current ratings and recommmendations for FGL and Emergent Capital, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
FGL presently has a consensus target price of $10.63, suggesting a potential upside of 20.06%. Given FGL’s higher probable upside, research analysts plainly believe FGL is more favorable than Emergent Capital.
This table compares FGL and Emergent Capital’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional and Insider Ownership
72.5% of FGL shares are owned by institutional investors. Comparatively, 0.4% of Emergent Capital shares are owned by institutional investors. 21.5% of FGL shares are owned by company insiders. Comparatively, 33.3% of Emergent Capital shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
FGL beats Emergent Capital on 8 of the 9 factors compared between the two stocks.
FGL Company Profile
FGL Holdings, through its subsidiaries, sells individual life insurance products and annuities in the United States. The company offers deferred annuities, including fixed indexed annuity contracts and fixed rate annuity contracts; immediate annuities; and life insurance products. It also provides life and annuity reinsurance services, such as reinsurance on asset intensive, long duration life, and annuity liabilities. The company sells its products through independent agents, managing general agents, and specialty brokerage firms, as well as various institutional markets. FGL Holdings is based in Grand Cayman, the Cayman Islands.
Emergent Capital Company Profile
Emergent Capital, Inc., a specialty finance company, invests in life settlements. As of December 31, 2017, it owned a portfolio of 608 life insurance policies. The company was formerly known as Imperial Holdings, Inc. and changed its name to Emergent Capital, Inc. in September 2015. Emergent Capital, Inc. was founded in 2006 and is based in Boca Raton, Florida.
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