Financial Comparison: Investors Heritage Capital (IHRC) versus Manulife Financial (MFC)

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Investors Heritage Capital (OTCMKTS:IHRC) and Manulife Financial (NYSE:MFC) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Earnings and Valuation

This table compares Investors Heritage Capital and Manulife Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Investors Heritage Capital $65.56 million 0.00 $2.66 million N/A N/A
Manulife Financial $44.97 billion 0.69 $1.60 billion $1.71 9.26

Manulife Financial has higher revenue and earnings than Investors Heritage Capital.

Insider and Institutional Ownership

46.6% of Manulife Financial shares are held by institutional investors. 58.6% of Investors Heritage Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Investors Heritage Capital and Manulife Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Investors Heritage Capital N/A N/A N/A
Manulife Financial 5.49% 13.70% 0.75%

Dividends

Manulife Financial pays an annual dividend of $0.76 per share and has a dividend yield of 4.8%. Investors Heritage Capital does not pay a dividend. Manulife Financial pays out 44.4% of its earnings in the form of a dividend. Manulife Financial has raised its dividend for 5 consecutive years.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Investors Heritage Capital and Manulife Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Investors Heritage Capital 0 0 0 0 N/A
Manulife Financial 0 3 5 0 2.63

Manulife Financial has a consensus target price of $27.00, indicating a potential upside of 70.45%.

Summary

Manulife Financial beats Investors Heritage Capital on 9 of the 11 factors compared between the two stocks.

About Investors Heritage Capital

Investors Heritage Capital Corporation owns Investors Heritage Life Insurance Company, Investors Heritage Printing, Inc. and Investors Heritage Financial Services Group, Inc. The Company is the sole member of At Need Funding, LLC, and Heritage Funding, LLC. Its business segments are Preneed and Burial Products (Preneed), Traditional and Universal Life Products (Traditional), and Administrative and Financial Services. The Company offers a portfolio of the standard forms of participating and non-participating whole life, limited pay, endowments, split-funding, interest-sensitive whole life, guaranteed issue whole life, single premium whole life, universal life, term and group life, annuities and single premium immediate annuities. In addition, the Company writes credit life and credit accident, and health insurance on a group basis. Its traditional products consist of senior wealth transfer products, traditional life, group life, certain annuities and universal life products.

About Manulife Financial

Manulife Financial Corporation, together with its subsidiaries, provides financial advice, insurance, and wealth and asset management solutions for individuals, groups, and institutions in Asia, Canada, and the United States. The company offers individual life, and individual and group long-term care insurance through insurance agents, brokers, banks, financial planners, and direct marketing. It also provides pension contracts and mutual fund products and services; various retirement products to group benefit plans; and annuities, single premium, and banking products, such as deposit and credit products to Canadian customers, as well as non-guaranteed, partially guaranteed, and fully guaranteed investment options through general and separate account products. It distributes wealth and asset management products through insurance agents and brokers affiliated with the company, securities brokerage firms, financial planners, pension plan sponsors, pension plan consultants, and banks. In addition, the company is involved in the asset management business; property and casualty insurance and reinsurance businesses; and run-off reinsurance operations, including variable annuities, and accident and health. Further, it manages timberland and agricultural portfolios; and insurance agency, investment counseling, portfolio and mutual fund management, mutual fund dealer, life and financial reinsurance, and mutual funds marketing businesses, as well as investment management, advisory, and dealer activities. Additionally, the company holds and manages oil and gas properties; holds oil and gas royalties, and foreign bonds and equities; and develops and operates hydro-electric power projects. Manulife Financial Corporation was founded in 1887 and is headquartered in Toronto, Canada.

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