ICC (NASDAQ:ICCH) & SiriusPoint (NYSE:SPNT) Critical Survey

ICC (NASDAQ:ICCH) and SiriusPoint (NYSE:SPNT) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, profitability, valuation, dividends, earnings, institutional ownership and analyst recommendations.

Profitability

This table compares ICC and SiriusPoint’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ICC	4.31%	5.78%	1.77%
SiriusPoint	11.94%	13.01%	2.43%

Analyst Recommendations

This is a summary of current ratings for ICC and SiriusPoint, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ICC	0	0	0	0	N/A
SiriusPoint	0	0	0	0	N/A

Earnings & Valuation

This table compares ICC and SiriusPoint”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ICC	$83.16 million	0.87	$4.26 million	$1.27	18.10
SiriusPoint	$2.61 billion	0.87	$354.80 million	$1.59	8.40

SiriusPoint has higher revenue and earnings than ICC. SiriusPoint is trading at a lower price-to-earnings ratio than ICC, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

46.5% of ICC shares are held by institutional investors. Comparatively, 52.8% of SiriusPoint shares are held by institutional investors. 24.1% of ICC shares are held by insiders. Comparatively, 10.3% of SiriusPoint shares are held by insiders. 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.

Risk and Volatility

ICC has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500. Comparatively, SiriusPoint has a beta of 0.94, meaning that its stock price is 6% less volatile than the S&P 500.

Summary

SiriusPoint beats ICC on 9 of the 11 factors compared between the two stocks.

About ICC

ICC Holdings, Inc., together with its subsidiaries, provides property and casualty insurance products to the food and beverage industry in the United States. It offers commercial multi-peril, liquor liability, workers' compensation, and umbrella liability insurance products. The company markets its products through independent agents in Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Ohio, Pennsylvania, Utah, and Wisconsin. ICC Holdings, Inc. was founded in 1950 and is headquartered in Rock Island, Illinois.

About SiriusPoint

SiriusPoint Ltd. provides multi-line insurance and reinsurance products and services worldwide. The company operates through two segments, Reinsurance, and Insurance & Services. The Reinsurance segment provides aviation and space, accident and health, casualty, credit, marine and energy, property to insurance and reinsurance companies, government entities, and other risk bearing vehicles. This segment offers medical insurance products, trip cancellation programs, medical management services, and 24/7 emergency medical and travel assistance services. The Insurance & Services segment provides accident and health, marine and energy, property and casualty, mortgage, environmental, workers' compensation, commercial auto lines, professional liability, and other lines of business. The company was formerly known as Third Point Reinsurance Ltd. and changed its name to SiriusPoint Ltd. in February 2021. SiriusPoint Ltd. was incorporated in 2011 and is headquartered in Pembroke, Bermuda.