United Fire Group (NASDAQ:UFCS) vs. Oxbridge Re (NASDAQ:OXBR) Head to Head Comparison

United Fire Group (NASDAQ:UFCS) and Oxbridge Re (NASDAQ:OXBR) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership and risk.

Volatility and Risk

United Fire Group has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, Oxbridge Re has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500.

Valuation and Earnings

This table compares United Fire Group and Oxbridge Re’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
United Fire Group	$1.10 billion	0.49	-$29.70 million	($0.69)	-30.45
Oxbridge Re	$850,000.00	17.11	-$9.91 million	($1.86)	-1.30

Oxbridge Re has lower revenue, but higher earnings than United Fire Group. United Fire Group is trading at a lower price-to-earnings ratio than Oxbridge Re, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings and recommmendations for United Fire Group and Oxbridge Re, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Fire Group	1	0	0	0	1.00
Oxbridge Re	0	0	0	0	N/A

United Fire Group currently has a consensus target price of $21.00, suggesting a potential downside of 0.05%. Given United Fire Group’s higher probable upside, analysts plainly believe United Fire Group is more favorable than Oxbridge Re.

Profitability

This table compares United Fire Group and Oxbridge Re’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
United Fire Group	-1.50%	-2.63%	-0.59%
Oxbridge Re	N/A	-133.14%	-96.54%

Insider and Institutional Ownership

62.7% of United Fire Group shares are owned by institutional investors. Comparatively, 5.6% of Oxbridge Re shares are owned by institutional investors. 6.0% of United Fire Group shares are owned by insiders. Comparatively, 17.7% of Oxbridge Re shares are owned by 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.

About United Fire Group

United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and reinsurance coverage for property and casualty insurance. Its commercial lines include fire and allied lines, other liability, automobile, workers' compensation, fidelity and surety coverage, and other insurance products; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners, as well as provides assumed reinsurance products. The company sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.

About Oxbridge Re

Oxbridge Re Holdings Limited, through its subsidiaries, provides specialty property and casualty reinsurance solutions. The company underwrites collateralized reinsurance contracts primarily for property and casualty insurance companies in the Gulf Coast region of the United States. It also issues reinsurance contracts through digital securities by blockchain technology. In addition, the company offers fractional aircraft ownership, jet card, aircraft brokerage, and charter service through its fleet of private aircraft. It distributes its products and solutions through reinsurance brokers. Oxbridge Re Holdings Limited was incorporated in 2013 and is headquartered in George Town, the Cayman Islands.