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During the past week I visited my girlfriend and came back home with some ideas about investing.

Earlier this year, I noticed that insurance stocks are great cash flow producers and some of them have a really low dividend payout ratio. They invest a huge amount of money to buy back their own shares and generally speaking they are really cheap.

Warren Buffet likes insurers but currently, he seems to prefer stocks from the cable business. I also see that those companies have a very attractive Price-to-EBITDA ratio.

However, I bought two German insurers last Friday. They yield over 3 percent and I'd like to increase my positions over the if they become cheaper.

The American market also has great insurers to look at. Aflac and Travelers are my two favorites followed by Chubb Corp. Those are also long-term dividend growers and part of David Fish's CCC List.

Below I've highlighted a few large cap insurers from the accident & health industry as well as stocks from the property & casualty industry. In addition, I've added a large cap from the healthcare industry, United Health Group.

All of the selected stocks have raised dividends for more than five consecutive years. Just venture a glance at my thoughts. I know that these stocks are not very popular but they are very attractive in terms of price.

ACE Limited (NYSE:ACE) has a market capitalization of $34.67 billion. The company employs 20,000 people, generates revenue of $19,261.00 million and has a net income of $3,758.00 million. ACE Limited’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $7,183.00 million. The EBITDA margin is 37.29 percent (the operating margin is 22.99 percent and the net profit margin 19.51 percent).

Financial Analysis: The total debt represents 6.37 percent of ACE Limited’s assets and the total debt in relation to the equity amounts to 20.87 percent. The company generated, a return on equity of 13.34 percent. Trailing twelve months earnings per share reached $9.99 and last fiscal year, ACE Limited paid $2.00 in the form of dividends to shareholders.

Market Valuation: Here are the ratios for the company: The P/E ratio is 10.36, the P/S ratio is 1.80 and the P/B ratio is 1.22. The dividend yield amounts to 2.51 percent and the beta ratio has a value of 0.79.

AFLAC (NYSE:AFL) has a market capitalization of $27.23 billion. The company employs 8,859 people, generates revenue of $24,138.00 million and has a net income of $3,158.00 million. AFLAC’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $6,451.00 million. The EBITDA margin is 26.73 percent (the operating margin is 21.17 percent and the net profit margin 13.08 percent).

Financial Analysis: The total debt represents 4.04 percent of AFLAC’s assets and the total debt in relation to the equity amounts to 33.50 percent. The company generated a return on equity of 20.64 percent. Trailing twelve months earnings per share reached $6.33 and last fiscal year, AFLAC paid $1.42 in the form of dividends to shareholders.

Market Valuation: Here are the price ratios of the company: The P/E ratio is 9.49, the P/S ratio is 1.13 and the P/B ratio is 1.89. The dividend yield amounts to 2.46 percent and the beta ratio has a value of 1.54.

Travelers Companies (NYSE:TRV) has a market capitalization of $31.26 billion. The company employs 30,800 people, generates revenue of $26,191.00 million and has a net income of $3,673.00 million. Travelers Companies’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $9,994.00 million. The EBITDA margin is 38.16 percent (the operating margin is 20.26 percent and the net profit margin 14.02 percent).

Financial Analysis: The total debt represents 6.11 percent of Travelers Companies’s assets and the total debt in relation to the equity amounts to 25.59 percent. The company generated a return on equity of 14.53 percent. Trailing twelve months earnings per share reached $9.91 and last fiscal year, Travelers Companies paid $1.96 in the form of dividends to shareholders.

Market Valuation: Here are the ratios of the company: The P/E ratio is 9.30, the P/S ratio is 1.19 and the P/B ratio is 1.31. The dividend yield amounts to 2.39 percent and the beta ratio has a value of 0.83.

UnitedHealth Group (NYSE:UNH) has a market capitalization of $79.50 billion. The company employs 156,000 people, generates revenue of $122,489.00 million and has a net income of $5,673.00 million. UnitedHealth Group’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $10,587.00 million. The EBITDA margin is 8.64 percent (the operating margin is 7.86 percent and the net profit margin 4.63 percent).

Financial Analysis: The total debt represents 20.59 percent of UnitedHealth Group’s assets and the total debt in relation to the equity amounts to 52.44 percent. The company generated a return on equity of 17.76 percent. Trailing twelve months earnings per share reached $5.50 and last fiscal year, UnitedHealth Group paid $1.05 in the form of dividends to shareholders.

Market Valuation: Here are the ratios for the company: The P/E ratio is 14.80, the P/S ratio is 0.65 and the P/B ratio is 2.50. The dividend yield amounts to 1.84 percent and the beta ratio has a value of 0.50.

Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I receive no compensation to write about any specific stock, sector or theme.

Source: 4 Hot Dividend Growth Insurance Stocks You Must Know