Radian Group (NYSE:RDN) versus Zhibao Technology (NASDAQ:ZBAO) Head-To-Head Analysis

Radian Group (NYSE:RDN) and Zhibao Technology (NASDAQ:ZBAO) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.

Earnings & Valuation

This table compares Radian Group and Zhibao Technology”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Radian Group	$1.29 billion	3.72	$604.44 million	$3.97	8.93
Zhibao Technology	$25.27 million	1.27	$1.82 million	N/A	N/A

Radian Group has higher revenue and earnings than Zhibao Technology.

Profitability

This table compares Radian Group and Zhibao Technology’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Radian Group	45.62%	13.25%	6.88%
Zhibao Technology	N/A	N/A	N/A

Insider & Institutional Ownership

95.3% of Radian Group shares are owned by institutional investors. 2.0% of Radian Group shares are owned by 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.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Radian Group and Zhibao Technology, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Radian Group	0	4	0	0	2.00
Zhibao Technology	0	0	0	0	0.00

Radian Group presently has a consensus price target of $37.00, suggesting a potential upside of 4.35%. Given Radian Group’s stronger consensus rating and higher probable upside, research analysts plainly believe Radian Group is more favorable than Zhibao Technology.

Volatility & Risk

Radian Group has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, Zhibao Technology has a beta of 1.98, indicating that its share price is 98% more volatile than the S&P 500.

Summary

Radian Group beats Zhibao Technology on 10 of the 11 factors compared between the two stocks.

About Radian Group

Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. It operates through two segments, Mortgage Insurance and Homegenius segments. The Mortgage Insurance segment aggregates, manages, and distributes U.S. mortgage credit risk for mortgage lending institutions and mortgage credit investors, through private mortgage insurance on residential first-lien mortgage loans; and other credit risk management solutions, including contract underwriting. The Homegenius segment offers title services, including a suite of insurance and non-insurance titles; tax and title data, centralized recording, document retrieval, and default curative title services; deed and property reports; closing and settlement services; mortgage underwriting and processing; escrow; appraisal management; and real estate brokerage. This segment also provides real estate valuation products and services; asset management services for managing real estate owned properties, which includes a web-based workflow solution; and a suite of real estate technology products and services to facilitate real estate transactions, such as proprietary platforms as a service solution. It serves mortgage originators, such as mortgage bankers, commercial banks, savings institutions, credit unions, and community banks; and consumers, mortgage lenders, mortgage and real estate investors, government-sponsored enterprises, real estate brokers and agents, and corporations for their employees. The company was formerly known as CMAC Investment Corp. and changed its name to Radian Group Inc. in June 1999. Radian Group Inc. was founded in 1977 and is headquartered in Wayne, Pennsylvania.

About Zhibao Technology

Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in China. It also offers managing general underwriter services; and offline insurance brokerage consulting services. The company was founded in 2015 and is based in Shanghai, China.