Head-To-Head Comparison: Zurich Insurance Group (OTCMKTS:ZURVY) and TWFG (NASDAQ:TWFG)

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

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Zurich Insurance Group and TWFG, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zurich Insurance Group	3	2	0	0	1.40
TWFG	0	3	4	0	2.57

TWFG has a consensus price target of $34.57, indicating a potential upside of 43.45%. Given TWFG’s stronger consensus rating and higher possible upside, analysts plainly believe TWFG is more favorable than Zurich Insurance Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Zurich Insurance Group	N/A	N/A	N/A
TWFG	2.74%	7.82%	6.58%

Volatility & Risk

Zurich Insurance Group has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, TWFG has a beta of 0.28, indicating that its share price is 72% less volatile than the S&P 500.

Valuation and Earnings

This table compares Zurich Insurance Group and TWFG”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zurich Insurance Group	$59.51 billion	1.77	$5.81 billion	N/A	N/A
TWFG	$203.76 million	6.63	$2.74 million	$0.41	58.78

Zurich Insurance Group has higher revenue and earnings than TWFG.

Insider & Institutional Ownership

0.0% of Zurich Insurance Group shares are owned by institutional investors. 0.0% of Zurich Insurance Group shares are owned by company insiders. Comparatively, 66.5% of TWFG shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

TWFG beats Zurich Insurance Group on 8 of the 12 factors compared between the two stocks.

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.

About TWFG

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.