Scor (OTCMKTS:SCRYY – Get Free Report) and American International Group (NYSE:AIG – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, dividends, valuation, analyst recommendations, profitability and earnings.
Profitability
This table compares Scor and American International Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Scor | 5.79% | 20.83% | 2.48% |
| American International Group | 11.86% | 10.93% | 2.75% |
Analyst Recommendations
This is a summary of recent recommendations and price targets for Scor and American International Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Scor | 0 | 3 | 3 | 0 | 2.50 |
| American International Group | 0 | 12 | 7 | 1 | 2.45 |
Institutional & Insider Ownership
90.6% of American International Group shares are held by institutional investors. 0.6% of American International Group shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Risk and Volatility
Scor has a beta of 0.59, meaning that its stock price is 41% less volatile than the S&P 500. Comparatively, American International Group has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500.
Valuation and Earnings
This table compares Scor and American International Group”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Scor | $17.39 billion | 0.39 | $962.82 million | $0.57 | 6.63 |
| American International Group | $26.77 billion | 1.57 | $3.10 billion | $5.67 | 13.99 |
American International Group has higher revenue and earnings than Scor. Scor is trading at a lower price-to-earnings ratio than American International Group, indicating that it is currently the more affordable of the two stocks.
Dividends
Scor pays an annual dividend of $0.14 per share and has a dividend yield of 3.7%. American International Group pays an annual dividend of $2.00 per share and has a dividend yield of 2.5%. Scor pays out 24.6% of its earnings in the form of a dividend. American International Group pays out 35.3% 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. American International Group has raised its dividend for 3 consecutive years. Scor is clearly the better dividend stock, given its higher yield and lower payout ratio.
Summary
American International Group beats Scor on 13 of the 18 factors compared between the two stocks.
About Scor
SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. It operates in two segments, SCOR P&C and SCOR L&H. The SCOR P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, agricultural risks, and property catastrophes; specialties insurance products, including business solutions, political and credit risks, cyber, and environmental liability; and business ventures and partnerships. The SCOR L&H segment provides life reinsurance products, such as protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, it is involved in the asset management business. SCOR SE was founded in 1970 and is headquartered in Paris, France.
About American International Group
American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: General Insurance, Life and Retirement, and Other Operations. The General Insurance segment provides commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers’ compensation, excess casualty, and crisis management insurance products; and professional liability insurance. This segment offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions, as well as operates reinsurance business; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and personal property insurance. Its Life and Retirement segment offers individual retirement products, including variable, fixed index, and fixed annuities, as well as retail mutual funds; group retirement products comprising record-keeping, plan administrative and compliance services, financial planning, and advisory solutions; life insurance, including term and universal life insurance; and institutional markets products, which includes wrap products, structured settlement, pension risk transfer annuities, corporate and bank-owned life insurance, high net worth, and guaranteed investment contract products. It distributes its products through a network of brokers, agents, advisors, banks, and other distributors. The company was founded in 1919 and is headquartered in New York, New York.
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