Analyzing International General Insurance (NASDAQ:IGIC) and Zhibao Technology (NASDAQ:ZBAO)

Zhibao Technology (NASDAQ:ZBAO) and International General Insurance (NASDAQ:IGIC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, risk, institutional ownership, earnings, profitability, valuation and analyst recommendations.

Analyst Ratings

This is a breakdown of current ratings and price targets for Zhibao Technology and International General Insurance, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zhibao Technology	1	0	0	0	1.00
International General Insurance	0	0	3	0	3.00

International General Insurance has a consensus price target of $30.00, suggesting a potential upside of 17.19%. Given International General Insurance’s stronger consensus rating and higher possible upside, analysts clearly believe International General Insurance is more favorable than Zhibao Technology.

Volatility and Risk

Zhibao Technology has a beta of 1.89, indicating that its stock price is 89% more volatile than the S&P 500. Comparatively, International General Insurance has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500.

Valuation and Earnings

This table compares Zhibao Technology and International General Insurance”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zhibao Technology	$38.66 million	0.75	-$8.66 million	N/A	N/A
International General Insurance	$539.00 million	2.12	$135.15 million	$2.76	9.28

International General Insurance has higher revenue and earnings than Zhibao Technology.

Profitability

This table compares Zhibao Technology and International General Insurance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Zhibao Technology	N/A	N/A	N/A
International General Insurance	23.76%	18.36%	5.82%

Institutional and Insider Ownership

54.2% of International General Insurance shares are owned by institutional investors. 20.1% of International General Insurance shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

International General Insurance beats Zhibao Technology on 11 of the 12 factors compared between the two stocks.

About Zhibao Technology

Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in China. It also offers managing general underwriter services; and offline insurance brokerage consulting services. The company was founded in 2015 and is based in Shanghai, China.

About International General Insurance

International General Insurance Holdings Ltd. engages in the provision of specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It is involved in underwriting a portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, motor, marine liability, contingency, marine, treaty, and casualty insurance and reinsurance. The company was founded in 2001 and is based in Amman, Jordan.