Financial Analysis: Old Republic International (NYSE:ORI) vs. Tian Ruixiang (NASDAQ:TIRX)

Old Republic International (NYSE:ORI) and Tian Ruixiang (NASDAQ:TIRX) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, dividends, risk, profitability, analyst recommendations and institutional ownership.

Institutional & Insider Ownership

70.9% of Old Republic International shares are held by institutional investors. Comparatively, 10.7% of Tian Ruixiang shares are held by institutional investors. 1.1% of Old Republic International shares are held by insiders. Comparatively, 39.6% of Tian Ruixiang shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

Old Republic International has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500. Comparatively, Tian Ruixiang has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500.

Profitability

This table compares Old Republic International and Tian Ruixiang’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Republic International	9.53%	17.11%	3.59%
Tian Ruixiang	N/A	N/A	N/A

Valuation & Earnings

This table compares Old Republic International and Tian Ruixiang”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Republic International	$8.23 billion	1.30	$852.80 million	$2.99	14.43
Tian Ruixiang	$5.86 million	2.19	-$3.99 million	N/A	N/A

Old Republic International has higher revenue and earnings than Tian Ruixiang.

Analyst Recommendations

This is a breakdown of recent recommendations for Old Republic International and Tian Ruixiang, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Republic International	0	0	1	2	3.67
Tian Ruixiang	1	0	0	0	1.00

Old Republic International currently has a consensus target price of $49.00, indicating a potential upside of 13.58%. Given Old Republic International’s stronger consensus rating and higher possible upside, equities analysts plainly believe Old Republic International is more favorable than Tian Ruixiang.

Summary

Old Republic International beats Tian Ruixiang on 10 of the 13 factors compared between the two stocks.

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.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.