American National Insurance (NASDAQ: ANAT) and Brighthouse Financial (NYSE:BHF) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, dividends, risk, earnings, analyst recommendations, valuation and profitability.

Analyst Ratings

This is a breakdown of recent recommendations for American National Insurance and Brighthouse Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American National Insurance 0 0 0 0 N/A
Brighthouse Financial 1 9 1 0 2.00

Brighthouse Financial has a consensus target price of $70.10, indicating a potential upside of 32.26%. Given Brighthouse Financial’s higher possible upside, analysts clearly believe Brighthouse Financial is more favorable than American National Insurance.

Institutional & Insider Ownership

65.2% of American National Insurance shares are held by institutional investors. 23.5% of American National Insurance shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares American National Insurance and Brighthouse Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
American National Insurance $3.28 billion 0.92 $260.52 million $7.23 15.57
Brighthouse Financial N/A N/A N/A N/A N/A

American National Insurance has higher revenue and earnings than Brighthouse Financial.

Dividends

American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.9%. Brighthouse Financial does not pay a dividend. American National Insurance pays out 45.4% of its earnings in the form of a dividend.

Profitability

This table compares American National Insurance and Brighthouse Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
American National Insurance 5.95% 2.61% 0.50%
Brighthouse Financial 12.15% 6.26% 0.44%

About American National Insurance

American National Insurance Company is engaged in life insurance, annuities, and property and casualty insurance. The Company also offers limited health insurance. Its family of companies includes six life insurance companies, eight property and casualty insurance companies, and various non-insurance subsidiaries. Its business segments include Life, which offers products, such as Whole Life, Term Life, Universal Life, Variable Universal Life and Credit Life Insurance; Annuity, including products, such as Deferred Annuity, Single Premium Immediate Annuity and Variable Annuity; Health, including, such as Medicare Supplement, Supplemental Insurance, Stop-Loss, Credit Disability and Medical Expense; Property and Casualty, which offers products, such as Personal Lines, Commercial Lines and Credit-Related Property Insurance products, and Corporate and Other, which consists of its invested assets that are not used to support insurance activities, and non-insurance subsidiaries.

About Brighthouse Financial

Brighthouse Financial, Inc. is a provider of life insurance and annuity products in the United States. The Company offers a range of products and services, which include variable, fixed, index-linked and income annuities, as well as variable, universal, term and whole life products. These products and services are marketed through various third party retail distribution channels in the United States. Fixed income annuities provide a guaranteed monthly income for a specified period of years and/or for the life of the annuitant. The Company operating segments include Annuities, Life and Run-off.

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