Vericity (NASDAQ:VERY) & FGL (NASDAQ:FG) Head to Head Contrast

Vericity (NASDAQ:VERY) and FGL (NYSE:FG) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, earnings, valuation and dividends.

Analyst Ratings

This is a summary of current ratings and recommmendations for Vericity and FGL, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Vericity 0 0 0 0 N/A
FGL 0 5 0 0 2.00

FGL has a consensus price target of $10.50, suggesting a potential downside of 1.41%. Given FGL’s higher probable upside, analysts clearly believe FGL is more favorable than Vericity.

Institutional and Insider Ownership

1.8% of Vericity shares are owned by institutional investors. Comparatively, 76.5% of FGL shares are owned by institutional investors. 15.1% of FGL shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Vericity and FGL’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Vericity -15.65% -9.64% -2.97%
FGL 23.99% 14.61% 0.82%

Earnings and Valuation

This table compares Vericity and FGL’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Vericity $135.30 million 1.35 -$19.32 million N/A N/A
FGL $2.11 billion 1.12 $507.00 million $1.48 7.20

FGL has higher revenue and earnings than Vericity.

Summary

FGL beats Vericity on 8 of the 9 factors compared between the two stocks.

About Vericity

Vericity, Inc., through its subsidiaries, provides life insurance protection products for the middle American market. The company operates through Insurance and Agency segments. The Insurance segment provides term life, accidental death, and final expense products. This segment distributes its life insurance products through independent producers, including direct distributors that market to consumers through call centers and regional and national independent producer groups. The Agency segment sells life insurance products for unaffiliated insurance companies through its call center distribution platform, as well as through its independent agents and other marketing organizations. It is also involved in the insurance lead sale activities through its eCoverage Web presence. The company is based in Chicago, Illinois.

About FGL

FGL Holdings sells individual life insurance products and annuities in the United States. The company offers deferred annuities, including fixed indexed annuity contracts and fixed rate annuity contracts; immediate annuities; and life insurance products. It also provides reinsurance on asset intensive, long duration life, and annuity liabilities, such as fixed, deferred and payout annuities, long-term care, group long-term disability, and cash value life insurance. The company sells its products through independent agents, managing general agents, and specialty brokerage firms, as well as various institutional markets. FGL Holdings is headquartered in Des Moines, Iowa.

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