Comparing AIFU (NASDAQ:AIFU) and Assurant (NYSE:AIZ)

AIFU (NASDAQ:AIFU) and Assurant (NYSE:AIZ) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, dividends, institutional ownership, profitability and earnings.

Valuation and Earnings

This table compares AIFU and Assurant”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AIFU	$247.81 million	0.06	$62.33 million	$0.73	7.30
Assurant	$12.30 billion	0.90	$760.20 million	$13.81	15.87

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

Institutional and Insider Ownership

26.7% of AIFU shares are owned by institutional investors. Comparatively, 92.7% of Assurant shares are owned by institutional investors. 25.6% of AIFU shares are owned by company insiders. Comparatively, 0.5% of Assurant shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations for AIFU and Assurant, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AIFU	0	1	0	0	2.00
Assurant	0	1	9	1	3.00

Assurant has a consensus target price of $238.00, suggesting a potential upside of 8.58%. Given Assurant’s stronger consensus rating and higher possible upside, analysts clearly believe Assurant is more favorable than AIFU.

Volatility & Risk

AIFU has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Assurant has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

Profitability

This table compares AIFU and Assurant’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AIFU	N/A	N/A	N/A
Assurant	5.83%	16.47%	2.47%

Summary

Assurant beats AIFU on 14 of the 15 factors compared between the two stocks.

About AIFU

AIX, Inc. engages in the provision of agency services and insurance claims adjusting services. It operates through the Insurance Agency and Claims Adjusting segments. The Insurance Agency segment includes providing agency services for insurance products and life insurance products. The Claims Adjusting segment provides pre-underwriting survey services, claims adjusting services, disposal of residual value services, loading and unloading supervision services, and consulting services. The company was founded by Yin An Hu and Qiu Ping Lai in 1998 and is headquartered in Guangzhou, China.

About Assurant

Assurant, Inc., together with its subsidiaries, provides business services that supports, protects, and connects consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and related products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.