Zurich Insurance Group (OTCMKTS:ZURVY) versus Radian Group (NYSE:RDN) Head to Head Review

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

Analyst Ratings

This is a summary of current ratings and price targets for Zurich Insurance Group and Radian Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zurich Insurance Group	3	2	0	0	1.40
Radian Group	0	4	0	0	2.00

Radian Group has a consensus target price of $37.00, suggesting a potential upside of 5.29%. Given Radian Group’s stronger consensus rating and higher possible upside, analysts clearly believe Radian Group is more favorable than Zurich Insurance Group.

Dividends

Zurich Insurance Group pays an annual dividend of $1.08 per share and has a dividend yield of 3.0%. Radian Group pays an annual dividend of $1.02 per share and has a dividend yield of 2.9%. Radian Group pays out 25.7% of its earnings in the form of a dividend. Radian Group has raised its dividend for 6 consecutive years.

Volatility and Risk

Zurich Insurance Group has a beta of 0.74, meaning that its share price is 26% less volatile than the S&P 500. Comparatively, Radian Group has a beta of 0.75, meaning that its share price is 25% less volatile than the S&P 500.

Profitability

This table compares Zurich Insurance Group and Radian Group’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
Radian Group	45.62%	13.25%	6.88%

Institutional and Insider Ownership

0.0% of Zurich Insurance Group shares are held by institutional investors. Comparatively, 95.3% of Radian Group shares are held by institutional investors. 0.0% of Zurich Insurance Group shares are held by company insiders. Comparatively, 2.0% of Radian Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Zurich Insurance Group and Radian Group”s top-line 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
Radian Group	$1.29 billion	3.70	$604.44 million	$3.97	8.85

Zurich Insurance Group has higher revenue and earnings than Radian Group.

Summary

Radian Group beats Zurich Insurance Group on 10 of the 14 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 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.