Comparing Waterdrop (NYSE:WDH) and Scor (OTCMKTS:SCRYY)

Scor (OTCMKTS:SCRYY) and Waterdrop (NYSE:WDH) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, dividends, risk, institutional ownership, profitability and valuation.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Scor and Waterdrop, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Scor	0	2	1	2	3.00
Waterdrop	0	0	0	0	0.00

Institutional & Insider Ownership

2.0% of Waterdrop shares are held by institutional investors. 24.6% of Waterdrop shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Risk and Volatility

Scor has a beta of 0.83, indicating that its stock price is 17% less volatile than the S&P 500. Comparatively, Waterdrop has a beta of -0.27, indicating that its stock price is 127% less volatile than the S&P 500.

Dividends

Scor pays an annual dividend of $0.13 per share and has a dividend yield of 4.0%. Waterdrop pays an annual dividend of $0.03 per share and has a dividend yield of 1.5%. Scor pays out 39.4% of its earnings in the form of a dividend. Waterdrop pays out 17.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Earnings & Valuation

This table compares Scor and Waterdrop”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Scor	$17.45 billion	0.34	$4.33 million	$0.33	9.97
Waterdrop	$379.74 million	1.86	$50.35 million	$0.17	11.44

Waterdrop has lower revenue, but higher earnings than Scor. Scor is trading at a lower price-to-earnings ratio than Waterdrop, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Scor and Waterdrop’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Scor	3.41%	11.92%	1.44%
Waterdrop	14.77%	9.07%	6.81%

About Scor

SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. It operates in two segments, SCOR P&C and SCOR L&H. The SCOR P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, agricultural risks, and property catastrophes; specialties insurance products, including business solutions, political and credit risks, cyber, and environmental liability; and business ventures and partnerships. The SCOR L&H segment provides life reinsurance products, such as protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, it is involved in the asset management business. SCOR SE was founded in 1970 and is headquartered in Paris, France.

About Waterdrop

Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's Republic of China. The company offers short-term health and long-term health and life insurance products and services. It also operates a medical crowdfunding platform. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.