Huize (NASDAQ:HUIZ – Get Free Report) and Hannover Ruck (OTCMKTS:HVRRY – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, analyst recommendations, earnings, institutional ownership and profitability.
Insider and Institutional Ownership
0.0% of Hannover Ruck shares are held by institutional investors. 30.4% of Huize shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Risk and Volatility
Huize has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500. Comparatively, Hannover Ruck has a beta of 0.45, suggesting that its stock price is 55% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Huize | 0 | 1 | 0 | 0 | 2.00 |
| Hannover Ruck | 1 | 1 | 0 | 1 | 2.33 |
Huize presently has a consensus price target of $2.30, suggesting a potential downside of 4.37%. Given Huize’s higher possible upside, equities research analysts plainly believe Huize is more favorable than Hannover Ruck.
Profitability
This table compares Huize and Hannover Ruck’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Huize | -1.25% | -3.67% | -1.67% |
| Hannover Ruck | 8.46% | 18.29% | 3.17% |
Earnings and Valuation
This table compares Huize and Hannover Ruck”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Huize | $171.10 million | 0.14 | -$90,000.00 | ($0.42) | -5.73 |
| Hannover Ruck | $28.55 billion | 1.31 | $2.52 billion | $3.35 | 15.42 |
Hannover Ruck has higher revenue and earnings than Huize. Huize is trading at a lower price-to-earnings ratio than Hannover Ruck, indicating that it is currently the more affordable of the two stocks.
Summary
Hannover Ruck beats Huize on 12 of the 14 factors compared between the two stocks.
About Huize
Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platform through various internet channels in the People's Republic of China. The company provides life and health insurance products, such as critical illness, illness and disease, annuity, and term and whole life insurance products; and property and casualty insurance products, including travel, individual casualty, and corporate liability insurance products. It also offers offline insurance intermediary and brokerage services. The company also provides digital and technology development services; investment, technology development, internet information, management, and financial consulting services; business management and catering services; and insurance agency services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, China.
About Hannover Ruck
Hannover Rück SE, together with its subsidiaries, provides reinsurance products and services in Germany, the United Kingdom, France, Europe, the United States, Asia, Australia, Africa, and internationally. It operates through Property & Casualty Reinsurance; and Life & Health Reinsurance segments. The company provides property and casualty reinsurance solutions for agricultural, livestock, and bloodstock; aviation and space; catastrophe XL; credit, surety, and political risks; facultative; and marine and offshore energy businesses, as well as insurance-linked securities and structured reinsurance. It offers risk solutions in the areas of critical illness, disability, health, longevity, long term care, and mortality. In addition, the company offers group life, retirement, lifestyle, credit life, and Takaful reinsurance products. Further, the company provides various financial solutions, including new-business financing; monetization of embedded value; reserve and solvency relief; and reinsurance and solvency II businesses. The company was formerly known as Hannover Rückversicherung AG and changed its name to Hannover Rück SE in March 2013. Hannover Rück SE was founded in 1966 and is based in Hanover, Germany. Hannover Rück SE operates as a subsidiary of Talanx AG.
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