Head-To-Head Analysis: Assurant (NYSE:AIZ) and Tian Ruixiang (NASDAQ:TIRX)

Tian Ruixiang (NASDAQ:TIRX) and Assurant (NYSE:AIZ) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, earnings, institutional ownership, risk, dividends, analyst recommendations and profitability.

Insider & Institutional Ownership

10.7% of Tian Ruixiang shares are owned by institutional investors. Comparatively, 92.7% of Assurant shares are owned by institutional investors. 39.6% of Tian Ruixiang shares are owned by company insiders. Comparatively, 0.5% of Assurant shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk and Volatility

Tian Ruixiang has a beta of 0.76, indicating that its share price is 24% less volatile than the S&P 500. Comparatively, Assurant has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500.

Earnings and Valuation

This table compares Tian Ruixiang and Assurant”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$3.22 million	3.42	-$3.99 million	N/A	N/A
Assurant	$11.88 billion	1.01	$760.20 million	$16.43	14.54

Assurant has higher revenue and earnings than Tian Ruixiang.

Profitability

This table compares Tian Ruixiang and Assurant’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tian Ruixiang	N/A	N/A	N/A
Assurant	6.75%	18.61%	2.84%

Analyst Ratings

This is a breakdown of current recommendations for Tian Ruixiang and Assurant, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tian Ruixiang	0	0	0	0	0.00
Assurant	0	2	8	0	2.80

Assurant has a consensus target price of $252.67, indicating a potential upside of 5.74%. Given Assurant’s stronger consensus rating and higher probable upside, analysts plainly believe Assurant is more favorable than Tian Ruixiang.

Summary

Assurant beats Tian Ruixiang on 9 of the 12 factors compared between the two stocks.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.

About Assurant

Assurant, Inc., together with its subsidiaries, provides business services that supports, protects, and connects consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and related products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.