Safety Insurance Group (NASDAQ:SAFT – Get Free Report) and Hamilton Insurance Group (NYSE:HG – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, profitability, analyst recommendations, institutional ownership and valuation.
Earnings and Valuation
This table compares Safety Insurance Group and Hamilton Insurance Group”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Safety Insurance Group | $1.26 billion | 1.21 | $99.25 million | $4.64 | 22.40 |
| Hamilton Insurance Group | $2.91 billion | 1.17 | $576.67 million | $5.74 | 5.99 |
Hamilton Insurance Group has higher revenue and earnings than Safety Insurance Group. Hamilton Insurance Group is trading at a lower price-to-earnings ratio than Safety Insurance Group, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Safety Insurance Group and Hamilton Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Safety Insurance Group | 5.33% | 7.23% | 2.58% |
| Hamilton Insurance Group | 19.56% | 22.60% | 6.47% |
Analyst Ratings
This is a breakdown of current recommendations and price targets for Safety Insurance Group and Hamilton Insurance Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Safety Insurance Group | 0 | 1 | 1 | 0 | 2.50 |
| Hamilton Insurance Group | 0 | 4 | 4 | 1 | 2.67 |
Hamilton Insurance Group has a consensus price target of $36.00, suggesting a potential upside of 4.72%. Given Hamilton Insurance Group’s stronger consensus rating and higher possible upside, analysts plainly believe Hamilton Insurance Group is more favorable than Safety Insurance Group.
Insider & Institutional Ownership
81.0% of Safety Insurance Group shares are held by institutional investors. Comparatively, 29.2% of Hamilton Insurance Group shares are held by institutional investors. 2.2% of Safety Insurance Group shares are held by insiders. Comparatively, 3.0% of Hamilton Insurance Group shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Volatility & Risk
Safety Insurance Group has a beta of 0.15, suggesting that its share price is 85% less volatile than the S&P 500. Comparatively, Hamilton Insurance Group has a beta of 0.36, suggesting that its share price is 64% less volatile than the S&P 500.
Summary
Hamilton Insurance Group beats Safety Insurance Group on 12 of the 15 factors compared between the two stocks.
About Safety Insurance Group
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company’s private passenger automobile policies offer coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured’s car occupants, and physical damage coverage for an insured’s own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, insure individual vehicles, and commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner’s insurance policies; and commercial umbrella, which offers an excess liability product to clients, as well as underwrites dwelling fire insurance for non-owner-occupied residences. Additionally, the company offers inland marine coverage for homeowners and business owner policies, and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.
About Hamilton Insurance Group
Hamilton Insurance Group, Ltd., through its subsidiaries, provides underwriting specialty insurance and reinsurance risks in Bermuda and internationally. The company operates Hamilton Global Specialty, Hamilton Select, and Hamilton Re underwriting platforms. The company offers casualty reinsurance products, such as commercial motor, general liability, healthcare, multiline, personal motor, professional liability, umbrella and excess casualty, and worker's compensation and employer's liability reinsurance; property reinsurance and insurance; and specialty reinsurance solutions, including accident and health, aviation and space, crisis management, mortgage, financial lines, marine and energy, and multiline specialty. In addition, it offers accident and health, cyber, energy, environmental, financial lines, fine art and specie, kidnap and ransom, mergers and acquisitions, marine and energy liability, political risk and violence, professional liability, property binders, property direct and facultative, professional lines, space, upstream energy, excess casualty, war and terrorism, allied medical, management liability, medical professionals, general liability, products liability and contractors, and small business casualty insurance plans, as well as surety and treaty reinsurance products. The company was incorporated in 2013 and is headquartered in Pembroke, Bermuda.
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