MBIA (NYSE:MBI) and EverQuote (NASDAQ:EVER) Head to Head Analysis

MBIA (NYSE:MBI) and EverQuote (NASDAQ:EVER) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, profitability, valuation, risk, dividends and analyst recommendations.

Earnings and Valuation

This table compares MBIA and EverQuote”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MBIA	$80.00 million	4.33	-$177.00 million	($3.10)	-2.19
EverQuote	$692.52 million	1.29	$99.31 million	$2.94	8.41

EverQuote has higher revenue and earnings than MBIA. MBIA is trading at a lower price-to-earnings ratio than EverQuote, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current recommendations for MBIA and EverQuote, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MBIA	1	0	1	0	2.00
EverQuote	0	2	6	0	2.75

MBIA presently has a consensus price target of $7.50, indicating a potential upside of 10.29%. EverQuote has a consensus price target of $24.17, indicating a potential downside of 2.28%. Given MBIA’s higher probable upside, equities research analysts clearly believe MBIA is more favorable than EverQuote.

Risk and Volatility

MBIA has a beta of 1.61, indicating that its share price is 61% more volatile than the S&P 500. Comparatively, EverQuote has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Insider & Institutional Ownership

61.0% of MBIA shares are owned by institutional investors. Comparatively, 91.5% of EverQuote shares are owned by institutional investors. 11.3% of MBIA shares are owned by company insiders. Comparatively, 23.7% of EverQuote shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares MBIA and EverQuote’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
MBIA	-172.22%	N/A	-1.71%
EverQuote	15.35%	53.39%	38.31%

Summary

EverQuote beats MBIA on 11 of the 14 factors compared between the two stocks.

About MBIA

MBIA Inc. provides financial guarantee insurance services to public finance markets in the United States. It operates United States (U.S.) Public Finance Insurance, and International and Structured Finance Insurance segments. The company issues financial guarantees for municipal bonds, including tax-exempt and taxable indebtedness of the U.S. political subdivisions, as well as utility districts, airports, health care institutions, higher educational facilities, housing authorities, and other similar agencies and obligations issued by private entities. It also insures the non-U.S. public finance and global structured finance, including asset-backed obligations; and sovereign-related and sub-sovereign bonds, and privately issued bonds used for the financing for utilities, toll roads, bridges, public transportation facilities, and other types of infrastructure projects, as well as offers third-party reinsurance services. MBIA Inc. was founded in 1973 and is headquartered in Purchase, New York.

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.