Ping An Insurance Co. of China (OTCMKTS:PNGAY) and Fidelis Insurance (NYSE:FIHL) Critical Comparison

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ping An Insurance Co. of China	11.80%	10.91%	1.10%
Fidelis Insurance	9.02%	8.62%	1.62%

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ping An Insurance Co. of China	0	1	0	0	2.00
Fidelis Insurance	2	3	3	0	2.13

Fidelis Insurance has a consensus target price of $21.92, indicating a potential upside of 2.37%. Given Fidelis Insurance’s stronger consensus rating and higher probable upside, analysts clearly believe Fidelis Insurance is more favorable than Ping An Insurance Co. of China.

Dividends

Ping An Insurance Co. of China pays an annual dividend of $0.89 per share and has a dividend yield of 6.2%. Fidelis Insurance pays an annual dividend of $0.60 per share and has a dividend yield of 2.8%. Ping An Insurance Co. of China pays out 44.3% 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.

Insider & Institutional Ownership

0.0% of Ping An Insurance Co. of China shares are held by institutional investors. Comparatively, 82.0% of Fidelis Insurance shares are held by institutional investors. 0.1% of Ping An Insurance Co. of China shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Ping An Insurance Co. of China and Fidelis Insurance”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ping An Insurance Co. of China	$158.64 billion	0.82	$18.75 billion	$2.01	7.10
Fidelis Insurance	$2.17 billion	0.95	$225.50 million	$2.21	9.69

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

Volatility & Risk

Ping An Insurance Co. of China has a beta of 0.32, suggesting that its stock price is 68% less volatile than the S&P 500. Comparatively, Fidelis Insurance has a beta of 0.36, suggesting that its stock price is 64% less volatile than the S&P 500.

Summary

Fidelis Insurance beats Ping An Insurance Co. of China on 10 of the 16 factors compared between the two stocks.

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.

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.