EverQuote (NASDAQ:EVER – Get Free Report) and Zurich Insurance Group (OTCMKTS:ZURVY – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, earnings, dividends and risk.
Insider and Institutional Ownership
91.5% of EverQuote shares are owned by institutional investors. Comparatively, 0.0% of Zurich Insurance Group shares are owned by institutional investors. 25.5% of EverQuote shares are owned by company insiders. Comparatively, 0.0% of Zurich Insurance Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Volatility and Risk
EverQuote has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. Comparatively, Zurich Insurance Group has a beta of 0.54, indicating that its stock price is 46% less volatile than the S&P 500.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| EverQuote | $692.52 million | 1.03 | $99.31 million | $2.94 | 6.72 |
| Zurich Insurance Group | $62.95 billion | 1.71 | $6.80 billion | N/A | N/A |
Zurich Insurance Group has higher revenue and earnings than EverQuote.
Profitability
This table compares EverQuote and Zurich Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| EverQuote | 15.35% | 53.39% | 38.31% |
| Zurich Insurance Group | N/A | N/A | N/A |
Analyst Ratings
This is a summary of current ratings and target prices for EverQuote and Zurich Insurance Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| EverQuote | 0 | 2 | 6 | 0 | 2.75 |
| Zurich Insurance Group | 1 | 3 | 0 | 0 | 1.75 |
EverQuote currently has a consensus price target of $24.17, indicating a potential upside of 22.36%. Given EverQuote’s stronger consensus rating and higher possible upside, research analysts plainly believe EverQuote is more favorable than Zurich Insurance Group.
Summary
EverQuote beats Zurich Insurance Group on 9 of the 12 factors compared between the two stocks.
About EverQuote
EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company offers auto, home and renters, and life insurance. The company serves carriers and agents, as well as indirect distributors. The company was formerly known as AdHarmonics, Inc., and changed its name to EverQuote, Inc. in November 2014. EverQuote, Inc. was incorporated in 2008 and is based in Cambridge, Massachusetts.
About Zurich Insurance Group
Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, energy and engineering lines, and marine; commercial management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as and non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, and cyber resilience, as well as climate risk assessment and reinsurance services. The company serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. It sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.
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