Bâloise (OTCMKTS:BLHEY – Get Rating) and Direct Line Insurance Group (OTCMKTS:DIISY – Get Rating) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.
Analyst Recommendations
This is a breakdown of current ratings and price targets for Bâloise and Direct Line Insurance Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bâloise | 0 | 0 | 1 | 0 | 3.00 |
| Direct Line Insurance Group | 2 | 6 | 0 | 0 | 1.75 |
Bâloise presently has a consensus price target of $155.00, suggesting a potential upside of 990.01%. Given Bâloise’s stronger consensus rating and higher probable upside, analysts plainly believe Bâloise is more favorable than Direct Line Insurance Group.
Dividends
Bâloise pays an annual dividend of $0.28 per share and has a dividend yield of 2.0%. Direct Line Insurance Group pays an annual dividend of $0.48 per share and has a dividend yield of 5.4%. Bâloise pays out 24.6% of its earnings in the form of a dividend. Direct Line Insurance Group pays out 54.1% 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.
Valuation & Earnings
This table compares Bâloise and Direct Line Insurance Group’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bâloise | N/A | N/A | N/A | $1.14 | 12.53 |
| Direct Line Insurance Group | N/A | N/A | N/A | $0.90 | 9.99 |
Direct Line Insurance Group is trading at a lower price-to-earnings ratio than Bâloise, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
0.3% of Direct Line Insurance Group shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Profitability
This table compares Bâloise and Direct Line Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bâloise | N/A | N/A | N/A |
| Direct Line Insurance Group | N/A | N/A | N/A |
Summary
Bâloise beats Direct Line Insurance Group on 6 of the 8 factors compared between the two stocks.
About Bâloise
(Get Rating)
Bâloise Holding AG engages in the provision of insurance and pension solutions. It operates through the following business segments: Non-Life, Life, Asset Management & Banking, and Other Activities. The Non-Life segment offers accident and health insurance as well as products relating to liability, motor, property, and marine insurance. The Life segment provides endowment policies, term insurance, investment-linked products and private placement life insurance. The Asset Management & Banking segment consists of Baloise Bank SoBa, which acts as a universal bank in Switzerland; and Deutscher Ring Bausparkasse, which operates in Germany. The Other Activities segment includes equity investment, real estate, and financing firms. The company was founded on May 2, 1863 and is headquartered in Basel, Switzerland.
About Direct Line Insurance Group
(Get Rating)
Direct Line Insurance Group Plc engages in the provision of general insurance services. It operates through the following business segments: Motor, Home, Rescue and Other Personal Lines and Commercial. The Motor segment consists of personal motor insurance cover together with the associated legal expenses business. The Home segment consists of home insurance together with associated legal protection cover. The Rescue and Other Personal Lines segment offers rescue products sold through the Group’s own brand, Green Flag, and personal lines insurance. The Commercial segment consists commercial insurance for small and medium-size entities sold through NIG, Direct Line for Business, Churchill for Business, and through partnership brands. The company was founded in 1985 and is headquartered in Bromley, the United Kingdom.
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