Head to Head Review: Ping An Insurance Co. of China (OTCMKTS:PNGAY) versus UTG (OTCMKTS:UTGN)

UTG (OTCMKTS:UTGN) and Ping An Insurance Co. of China (OTCMKTS:PNGAY) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings and institutional ownership.

Earnings and Valuation

This table compares UTG and Ping An Insurance Co. of China”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UTG	$42.35 million	4.37	$17.08 million	$11.35	5.20
Ping An Insurance Co. of China	$158.64 billion	0.81	$18.75 billion	$2.01	7.02

Ping An Insurance Co. of China has higher revenue and earnings than UTG. UTG is trading at a lower price-to-earnings ratio than Ping An Insurance Co. of China, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

UTG has a beta of 0.09, meaning that its share price is 91% less volatile than the S&P 500. Comparatively, Ping An Insurance Co. of China has a beta of 0.35, meaning that its share price is 65% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for UTG and Ping An Insurance Co. of China, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UTG	0	0	0	0	0.00
Ping An Insurance Co. of China	0	0	0	1	4.00

Institutional & Insider Ownership

0.1% of UTG shares are held by institutional investors. Comparatively, 0.0% of Ping An Insurance Co. of China shares are held by institutional investors. 74.2% of UTG shares are held by insiders. Comparatively, 0.1% of Ping An Insurance Co. of China shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares UTG and Ping An Insurance Co. of China’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UTG	N/A	14.55%	7.04%
Ping An Insurance Co. of China	11.80%	10.91%	1.10%

Summary

Ping An Insurance Co. of China beats UTG on 7 of the 13 factors compared between the two stocks.

About UTG

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. In addition, it offers reinsurance products. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.

About Ping An Insurance Co. of China

Ping An Insurance (Group) Company of China, Ltd. provides financial products and services for insurance, banking, asset management, and technology businesses in the People's Republic of China. The company operates through Life and Health Insurance; Property and Casualty Insurance; Banking; Asset Management; and Technology segments. Its Life and Health Insurance segment offers term, whole-life, endowment, annuity, investment-linked, universal life, and health care and medical insurance to individual and corporate customers. The company's Property and Casualty Insurance segment provides auto, non-auto, and accident and health insurance to individual and corporate customers. Its Banking segment undertakes loan and intermediary businesses with corporate and retail customers; and offers wealth management and credit card services to individual customers. The company's Asset Management segment provides trust products services, brokerage services, trading services, investment banking services, investment management, finance lease, and other asset management services. Its Technology segment offers financial and daily-life services through internet platforms, such as financial transaction information service, and health care service platforms. The company also provides annuity insurance, IT and business process outsourcing, real estate investment and management, futures brokerage, project investment, currency brokerage, property agency, fund raising and distribution, real estate development and leasing, and insurance agency services. In addition, it provides factoring, equity investment, logistics and warehousing, management consulting, e-commerce, and credit information services; and operates an expressway, as well as produces and sells consumer chemicals. The company was incorporated in 1988 and is based in Shenzhen, China.