Voya Financial (NYSE:VOYA) and National Western Life Group (NASDAQ:NWLI) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, dividends, analyst recommendations, profitability, risk, institutional ownership and valuation.
Valuation & Earnings
This table compares Voya Financial and National Western Life Group’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Voya Financial||$8.62 billion||0.76||-$2.99 billion||$3.01||13.98|
|National Western Life Group||$874.45 million||1.24||$110.42 million||N/A||N/A|
This is a breakdown of current ratings and recommmendations for Voya Financial and National Western Life Group, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|National Western Life Group||0||0||0||0||N/A|
Voya Financial currently has a consensus target price of $58.09, indicating a potential upside of 38.02%. Given Voya Financial’s higher probable upside, equities research analysts plainly believe Voya Financial is more favorable than National Western Life Group.
Risk and Volatility
Voya Financial has a beta of 1.38, meaning that its stock price is 38% more volatile than the S&P 500. Comparatively, National Western Life Group has a beta of 1.2, meaning that its stock price is 20% more volatile than the S&P 500.
This table compares Voya Financial and National Western Life Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|National Western Life Group||17.28%||6.77%||1.03%|
Voya Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.1%. National Western Life Group pays an annual dividend of $0.36 per share and has a dividend yield of 0.1%. Voya Financial pays out 1.3% of its earnings in the form of a dividend.
Insider & Institutional Ownership
79.9% of National Western Life Group shares are owned by institutional investors. 0.4% of Voya Financial shares are owned by insiders. Comparatively, 0.5% of National Western Life Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
National Western Life Group beats Voya Financial on 8 of the 14 factors compared between the two stocks.
Voya Financial Company Profile
Voya Financial, Inc. operates as a retirement, investment, and insurance company in the United States. It operates through Retirement, Investment Management, Individual Life, and Employee Benefits segments. The Retirement segment offers tax-deferred employer-sponsored retirement savings plans and administrative services; and individual account rollover plans and other retail financial products, as well as financial planning and advisory services. This segment serves corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers through third-party administrators, wirehouse affiliated brokers, registered investment advisors, independent sales agents, and consulting firms. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual and institutional customers directly, as well as through consultant channel, banks, broker-dealers, and independent financial advisers. The Individual Life segment provides wealth protection and transfer opportunities through universal, variable, and term life products. The Employee Benefits segment offers stop loss, group life, voluntary employee-paid, and disability products through consultants, brokers, third-party administrators, enrollment firms, and technology partners. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was incorporated in 1999 and is based in New York, New York.
National Western Life Group Company Profile
National Western Life Group, Inc., through its subsidiary, National Western Life Insurance Company, operates as a stock life insurance company. It operates through Domestic Life Insurance, International Life Insurance, and Annuities segments. The company provides life insurance products for the savings and protection needs of policyholders; and annuity contracts for the asset accumulation and retirement needs of contract holders. Its life products include universal life insurance, interest-sensitive whole life insurance, and traditional products comprising term insurance coverage; and annuity products, such as flexible premium and single premium deferred annuities, equity-index annuities, and single premium immediate annuities. The company also engages in real estate, nursing home, and other investment activities. National Western Life Group, Inc. markets and distributes its insurance products primarily through independent national marketing organizations. The company was founded in 1956 and is based in Austin, Texas.
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