Analyzing Fidelis Insurance (NYSE:FIHL) and M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY)

M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY) and Fidelis Insurance (NYSE:FIHL) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, valuation and profitability.

Profitability

This table compares M�nchener R�ckversicherungs-Gesellschaft and Fidelis Insurance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
M�nchener R�ckversicherungs-Gesellschaft	11.49%	20.81%	2.47%
Fidelis Insurance	9.02%	8.62%	1.62%

Analyst Recommendations

This is a breakdown of current recommendations for M�nchener R�ckversicherungs-Gesellschaft and Fidelis Insurance, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
M�nchener R�ckversicherungs-Gesellschaft	1	1	1	0	2.00
Fidelis Insurance	2	2	3	0	2.14

Fidelis Insurance has a consensus price target of $21.92, suggesting a potential downside of 20.07%. Given Fidelis Insurance’s stronger consensus rating and higher probable upside, analysts plainly believe Fidelis Insurance is more favorable than M�nchener R�ckversicherungs-Gesellschaft.

Dividends

M�nchener R�ckversicherungs-Gesellschaft pays an annual dividend of $0.34 per share and has a dividend yield of 2.6%. Fidelis Insurance pays an annual dividend of $0.60 per share and has a dividend yield of 2.2%. M�nchener R�ckversicherungs-Gesellschaft pays out 13.5% of its earnings in the form of a dividend. Fidelis Insurance pays out 27.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. M�nchener R�ckversicherungs-Gesellschaft is clearly the better dividend stock, given its higher yield and lower payout ratio.

Institutional & Insider Ownership

0.2% of M�nchener R�ckversicherungs-Gesellschaft shares are held by institutional investors. Comparatively, 82.0% of Fidelis Insurance shares are held by institutional investors. 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

M�nchener R�ckversicherungs-Gesellschaft has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500. Comparatively, Fidelis Insurance has a beta of 0.36, indicating that its share price is 64% less volatile than the S&P 500.

Valuation and Earnings

This table compares M�nchener R�ckversicherungs-Gesellschaft and Fidelis Insurance”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
M�nchener R�ckversicherungs-Gesellschaft	$68.33 billion	1.23	$6.92 billion	$2.51	5.31
Fidelis Insurance	$2.17 billion	1.22	$225.50 million	$2.21	12.41

M�nchener R�ckversicherungs-Gesellschaft has higher revenue and earnings than Fidelis Insurance. M�nchener R�ckversicherungs-Gesellschaft is trading at a lower price-to-earnings ratio than Fidelis Insurance, indicating that it is currently the more affordable of the two stocks.

Summary

M�nchener R�ckversicherungs-Gesellschaft beats Fidelis Insurance on 9 of the 15 factors compared between the two stocks.

About M�nchener R�ckversicherungs-Gesellschaft

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München engages in the insurance and reinsurance businesses worldwide. It also offers life and health reinsurance solutions, such as digital underwriting and advanced analytics solutions, health insurance management system, financial market risks, financing, portfolio risk management, digitalized investment-linked solution, MIRA digital suite, MIRA POS, MIRApply insured and physician, claims risk adjustment, CLARA plus, data analytics, underwriting and claims, medical research, capital management, and health market. The company also provides property and casualty reinsurance solutions, including agricultural risk, data analytics, infrastructure risk profiler, property insurance, retroactive reinsurance, insurance linked securities, location risk, risk transfer, and cyber, NatCatSERVICE for natural catastrophe loss database, REALYTIX ZERO, IMPROVEX, and cert2go, as well as consulting services for reinsurance, business advisory, portfolio performance and management, claims management, commercial motor, telematics, and electric vehicles. In addition, the company provides solutions for industry clients, such as IoT cover, earnings quality insurance protection, captive insurance and risk transfer, liability, weather risks, space and satellite insurance, solar and biomass insurance, wind insurance, digital asset, mining risks cover, construction projects covers and services, aviation insurance, power and utilities, industrial cyber insurance, risk suite, location risk intelligence, digital risks, PV warranty insurance, parametric, Insure AI, e-mobility, circular economy, liquidation damage cover, and natural catastrophes solutions. Further, it offers life, property-casualty, health, legal protection, and travel insurance products under the ERGO brand name; and insurance solutions for agriculture, captive, epidemic, cyber, and renewable energy. The company was founded in 1880 and is based in Munich, Germany.

About Fidelis Insurance

Fidelis Insurance Holdings Limited, a specialty insurer, provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, as well as other risk transfer opportunities, including political violence and terrorism, limited cyber reinsurance, tax liabilities, title, transactional liabilities, and other bespoke solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.