EverQuote (NASDAQ:EVER) versus Zurich Insurance Group (OTCMKTS:ZURVY) Financial Analysis

EverQuote (NASDAQ:EVER) and Zurich Insurance Group (OTCMKTS:ZURVY) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, profitability, risk, valuation, analyst recommendations, institutional ownership and dividends.

Insider & Institutional Ownership

91.5% of EverQuote shares are owned by institutional investors. Comparatively, 0.0% of Zurich Insurance Group shares are owned by institutional investors. 25.5% of EverQuote shares are owned by company insiders. Comparatively, 0.0% of Zurich Insurance Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of current recommendations for EverQuote and Zurich Insurance Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
EverQuote	0	2	6	0	2.75
Zurich Insurance Group	1	3	0	0	1.75

EverQuote presently has a consensus price target of $23.83, suggesting a potential upside of 12.17%. Given EverQuote’s stronger consensus rating and higher possible upside, analysts clearly believe EverQuote is more favorable than Zurich Insurance Group.

Profitability

This table compares EverQuote and Zurich Insurance Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
EverQuote	14.34%	57.65%	39.98%
Zurich Insurance Group	N/A	N/A	N/A

Earnings & Valuation

This table compares EverQuote and Zurich Insurance Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
EverQuote	$692.52 million	1.11	$99.31 million	$2.64	8.05
Zurich Insurance Group	$62.95 billion	1.68	$6.80 billion	N/A	N/A

Zurich Insurance Group has higher revenue and earnings than EverQuote.

Volatility & Risk

EverQuote has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500. Comparatively, Zurich Insurance Group has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500.

Summary

EverQuote beats Zurich Insurance Group on 9 of the 12 factors compared between the two stocks.

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.

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.