Cheche Group (NASDAQ:CCG) versus Assurant (NYSE:AIZ) Head-To-Head Survey

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

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Assurant and Cheche Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Assurant	0	0	6	2	3.25
Cheche Group	1	2	0	0	1.67

Assurant presently has a consensus target price of $324.29, indicating a potential upside of 14.55%. Given Assurant’s stronger consensus rating and higher possible upside, equities analysts clearly believe Assurant is more favorable than Cheche Group.

Valuation & Earnings

This table compares Assurant and Cheche Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Assurant	$12.81 billion	1.09	$872.70 million	$20.94	13.52
Cheche Group	$2.55 billion	0.00	-$2.47 million	($2.80)	-1.71

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

Profitability

This table compares Assurant and Cheche Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Assurant	7.90%	20.40%	3.34%
Cheche Group	N/A	N/A	N/A

Institutional & Insider Ownership

92.7% of Assurant shares are owned by institutional investors. Comparatively, 19.8% of Cheche Group shares are owned by institutional investors. 0.5% of Assurant shares are owned by insiders. Comparatively, 1.4% of Cheche Group shares are owned by 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 & Risk

Assurant has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, Cheche Group has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500.

Dividends

Assurant pays an annual dividend of $3.52 per share and has a dividend yield of 1.2%. Cheche Group pays an annual dividend of $0.36 per share and has a dividend yield of 7.5%. Assurant pays out 16.8% of its earnings in the form of a dividend. Cheche Group pays out -12.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Assurant has raised its dividend for 21 consecutive years. Cheche Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Assurant beats Cheche Group on 15 of the 18 factors compared between the two stocks.

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.

About Cheche Group

Cheche Group Inc. offer auto insurance technology platform. The company evolved into a comprehensive, data-driven technology platform which offers a full suite of services and products for digital insurance transactions and insurance SaaS solutions principally in China. Cheche Group Inc., formerly known as Prime Impact, is headquartered in Beijing, China.