EverQuote (NASDAQ:EVER – Get Free Report) and Old Republic International (NYSE:ORI – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, risk, analyst recommendations and valuation.
Institutional & Insider Ownership
91.5% of EverQuote shares are owned by institutional investors. Comparatively, 70.9% of Old Republic International shares are owned by institutional investors. 25.5% of EverQuote shares are owned by company insiders. Comparatively, 1.1% of Old Republic International shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares EverQuote and Old Republic International”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| EverQuote | $500.19 million | 1.86 | $32.17 million | $1.24 | 20.56 |
| Old Republic International | $8.23 billion | 1.20 | $852.80 million | $2.92 | 13.63 |
Old Republic International has higher revenue and earnings than EverQuote. Old Republic International is trading at a lower price-to-earnings ratio than EverQuote, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
EverQuote has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500. Comparatively, Old Republic International has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500.
Profitability
This table compares EverQuote and Old Republic International’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| EverQuote | 7.57% | 36.90% | 24.45% |
| Old Republic International | 10.31% | 20.95% | 4.45% |
Analyst Recommendations
This is a summary of current ratings and target prices for EverQuote and Old Republic International, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| EverQuote | 0 | 0 | 4 | 1 | 3.20 |
| Old Republic International | 0 | 0 | 2 | 0 | 3.00 |
EverQuote currently has a consensus target price of $32.40, suggesting a potential upside of 27.06%. Old Republic International has a consensus target price of $43.50, suggesting a potential upside of 9.32%. Given EverQuote’s stronger consensus rating and higher probable upside, equities analysts clearly believe EverQuote is more favorable than Old Republic International.
Summary
EverQuote beats Old Republic International on 10 of the 15 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 Old Republic International
Old Republic International Corporation, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. It operates through three segments: General Insurance, Title Insurance, and Republic Financial Indemnity Group Run-off Business. The General Insurance segment offers aviation, commercial auto, commercial multi-peril, commercial property, general liability, home and auto warranty, inland marine, travel accident, and workers' compensation insurance products; and financial indemnity products for specialty coverages, including errors and omissions, fidelity, directors and officers, and surety. This segment provides its insurance products to businesses, state and local government, and other institutions in transportation, commercial construction, healthcare, education, retail and wholesale trade, forest products, energy, general manufacturing, and financial services industries. The Title Insurance segment offers lenders' and owners' policies to real estate purchasers and investors based upon searches of the public records. This segment also provides escrow closing and construction disbursement services; and real estate information products, national default management services, and various other services pertaining to real estate transfers and loan transactions. The Republic Financial Indemnity Group Run-off Business segment offers private mortgage insurance coverage that protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers. Old Republic International Corporation was founded in 1923 and is based in Chicago, Illinois.
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