Roadzen (NASDAQ:RDZN – Get Free Report) and Chubb (NYSE:CB – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, profitability, earnings, institutional ownership and valuation.
Insider and Institutional Ownership
24.7% of Roadzen shares are owned by institutional investors. Comparatively, 83.8% of Chubb shares are owned by institutional investors. 29.5% of Roadzen shares are owned by company insiders. Comparatively, 0.4% of Chubb shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Volatility & Risk
Roadzen has a beta of 1.15, meaning that its stock price is 15% more volatile than the S&P 500. Comparatively, Chubb has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Roadzen | 1 | 0 | 0 | 0 | 1.00 |
| Chubb | 1 | 11 | 8 | 2 | 2.50 |
Chubb has a consensus price target of $349.90, indicating a potential upside of 7.06%. Given Chubb’s stronger consensus rating and higher possible upside, analysts clearly believe Chubb is more favorable than Roadzen.
Earnings and Valuation
This table compares Roadzen and Chubb”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Roadzen | $50.30 million | 2.71 | -$72.87 million | ($0.20) | -8.55 |
| Chubb | $61.21 billion | 2.07 | $10.31 billion | $28.32 | 11.54 |
Chubb has higher revenue and earnings than Roadzen. Roadzen is trading at a lower price-to-earnings ratio than Chubb, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Roadzen and Chubb’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Roadzen | -30.61% | N/A | -40.70% |
| Chubb | 18.58% | 14.30% | 4.13% |
Summary
Chubb beats Roadzen on 12 of the 15 factors compared between the two stocks.
About Roadzen
Roadzen, Inc., an insurtech company, provides various insurance products in the United States and internationally. It offers insurance as a service platform, including Via, which enables fleets, carmakers, and insurers to inspect a vehicle using computer vision; Global Distribution Network that enables the configuration, customer quote, payment, and administration of any insurance policy with any insurance carrier as the underwriter; xClaim, which enables digital, touchless, and real-time resolution of claims; StrandD, a digital, real-time dispatch, and tracking for roadside assistance and first notice of loss during accident claims; Good Driving that enables insurers and fleets to recognize drivers, train drivers, and build usage based insurance programs; and Drivebuddy AI, which provides driver-assistance capabilities. The company also provides insurance distribution platform that enables product creation and underwriting, re-insurer backing, and API exchange; and distribution, pre-inspection assistance, telematics, and roadside assistance. In addition, it offers insurance broker services. Roadzen, Inc. was founded in 2015 and is based in Burlingame, California.
About Chubb
Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical risk, cyber risk, surety, and casualty; and group accident and health insurance to large, middle market, and small commercial businesses. Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm, ranch, and specialty property and casualty, and commercial agriculture products. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels. The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies. Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual and life, group term life, health protection, personal accident, credit life, universal life, group employee benefits, and unit linked contracts. It markets its products primarily through insurance and reinsurance brokers. The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.
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