Zurich Insurance Group (OTCMKTS:ZURVY – Get Free Report) and Goosehead Insurance (NASDAQ:GSHD – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, earnings, analyst recommendations, risk, profitability, valuation and institutional ownership.
Risk and Volatility
Zurich Insurance Group has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Comparatively, Goosehead Insurance has a beta of 1.41, suggesting that its stock price is 41% more volatile than the S&P 500.
Profitability
This table compares Zurich Insurance Group and Goosehead Insurance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Zurich Insurance Group | N/A | N/A | N/A |
| Goosehead Insurance | 7.94% | -20.96% | 8.50% |
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Zurich Insurance Group | $62.95 billion | 1.86 | $6.80 billion | N/A | N/A |
| Goosehead Insurance | $365.30 million | 5.29 | $27.83 million | $1.14 | 47.61 |
Zurich Insurance Group has higher revenue and earnings than Goosehead Insurance.
Institutional & Insider Ownership
0.0% of Zurich Insurance Group shares are owned by institutional investors. 0.0% of Zurich Insurance Group shares are owned by insiders. Comparatively, 38.1% of Goosehead Insurance shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Analyst Recommendations
This is a summary of recent recommendations and price targets for Zurich Insurance Group and Goosehead Insurance, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Zurich Insurance Group | 0 | 2 | 0 | 0 | 2.00 |
| Goosehead Insurance | 2 | 5 | 7 | 0 | 2.36 |
Goosehead Insurance has a consensus target price of $68.73, suggesting a potential upside of 26.62%. Given Goosehead Insurance’s stronger consensus rating and higher possible upside, analysts clearly believe Goosehead Insurance is more favorable than Zurich Insurance Group.
Summary
Goosehead Insurance beats Zurich Insurance Group on 8 of the 12 factors compared between the two stocks.
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.
About Goosehead Insurance
Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers homeowner’s, automotive, dwelling property, flood, wind, earthquake, excess liability or umbrella, motorcycle, recreational vehicle, general liability, property, and life insurance products and services. As of December 31, 2023, it operated 1,415 franchise locations. The company was founded in 2003 and is headquartered in Westlake, Texas.
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