Contrasting EverQuote (NASDAQ:EVER) and Fidelis Insurance (NYSE:FIHL)

Fidelis Insurance (NYSE:FIHL) and EverQuote (NASDAQ:EVER) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, profitability and risk.

Analyst Ratings

This is a summary of recent recommendations and price targets for Fidelis Insurance and EverQuote, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fidelis Insurance	1	5	4	0	2.30
EverQuote	0	1	3	2	3.17

Fidelis Insurance presently has a consensus price target of $21.14, indicating a potential upside of 7.67%. EverQuote has a consensus price target of $34.25, indicating a potential upside of 27.61%. Given EverQuote’s stronger consensus rating and higher possible upside, analysts plainly believe EverQuote is more favorable than Fidelis Insurance.

Profitability

This table compares Fidelis Insurance and EverQuote’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fidelis Insurance	-0.56%	-0.94%	-0.18%
EverQuote	8.36%	38.19%	25.60%

Earnings and Valuation

This table compares Fidelis Insurance and EverQuote”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fidelis Insurance	$2.42 billion	0.90	$113.30 million	($0.05)	-392.74
EverQuote	$500.19 million	1.93	$32.17 million	$1.43	18.77

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

Volatility & Risk

Fidelis Insurance has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, EverQuote has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500.

Institutional & Insider Ownership

82.0% of Fidelis Insurance shares are owned by institutional investors. Comparatively, 91.5% of EverQuote shares are owned by institutional investors. 25.5% of EverQuote shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

EverQuote beats Fidelis Insurance on 12 of the 15 factors compared between the two stocks.

About Fidelis Insurance

Fidelis Insurance Holdings Limited, a specialty insurer, provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, as well as other risk transfer opportunities, including political violence and terrorism, limited cyber reinsurance, tax liabilities, title, transactional liabilities, and other bespoke solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.

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.