Critical Comparison: M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY) vs. EverQuote (NASDAQ:EVER)

EverQuote (NASDAQ:EVER) and M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, valuation, profitability and analyst recommendations.

Valuation and Earnings

This table compares EverQuote and M�nchener R�ckversicherungs-Gesellschaft”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
EverQuote	$500.19 million	1.18	$32.17 million	$1.43	11.51
M�nchener R�ckversicherungs-Gesellschaft	$65.83 billion	1.23	$6.15 billion	$1.76	7.11

M�nchener R�ckversicherungs-Gesellschaft has higher revenue and earnings than EverQuote. M�nchener R�ckversicherungs-Gesellschaft is trading at a lower price-to-earnings ratio than EverQuote, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

EverQuote has a beta of 0.5, indicating that its stock price is 50% less volatile than the S&P 500. Comparatively, M�nchener R�ckversicherungs-Gesellschaft has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.

Profitability

This table compares EverQuote and M�nchener R�ckversicherungs-Gesellschaft’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
EverQuote	8.36%	38.19%	25.60%
M�nchener R�ckversicherungs-Gesellschaft	10.34%	19.63%	2.22%

Analyst Recommendations

This is a summary of recent ratings and price targets for EverQuote and M�nchener R�ckversicherungs-Gesellschaft, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
EverQuote	0	1	3	1	3.00
M�nchener R�ckversicherungs-Gesellschaft	0	2	1	1	2.75

EverQuote presently has a consensus price target of $34.00, suggesting a potential upside of 106.56%. Given EverQuote’s stronger consensus rating and higher probable upside, equities analysts plainly believe EverQuote is more favorable than M�nchener R�ckversicherungs-Gesellschaft.

Insider & Institutional Ownership

91.5% of EverQuote shares are owned by institutional investors. Comparatively, 0.2% of M�nchener R�ckversicherungs-Gesellschaft shares are owned by institutional investors. 25.5% of EverQuote shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

EverQuote beats M�nchener R�ckversicherungs-Gesellschaft on 9 of the 14 factors compared between the two stocks.

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.

About M�nchener R�ckversicherungs-Gesellschaft

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München engages in the insurance and reinsurance businesses worldwide. It also offers life and health reinsurance solutions, such as digital underwriting and advanced analytics solutions, health insurance management system, financial market risks, financing, portfolio risk management, digitalized investment-linked solution, MIRA digital suite, MIRA POS, MIRApply insured and physician, claims risk adjustment, CLARA plus, data analytics, underwriting and claims, medical research, capital management, and health market. The company also provides property and casualty reinsurance solutions, including agricultural risk, data analytics, infrastructure risk profiler, property insurance, retroactive reinsurance, insurance linked securities, location risk, risk transfer, and cyber, NatCatSERVICE for natural catastrophe loss database, REALYTIX ZERO, IMPROVEX, and cert2go, as well as consulting services for reinsurance, business advisory, portfolio performance and management, claims management, commercial motor, telematics, and electric vehicles. In addition, the company provides solutions for industry clients, such as IoT cover, earnings quality insurance protection, captive insurance and risk transfer, liability, weather risks, space and satellite insurance, solar and biomass insurance, wind insurance, digital asset, mining risks cover, construction projects covers and services, aviation insurance, power and utilities, industrial cyber insurance, risk suite, location risk intelligence, digital risks, PV warranty insurance, parametric, Insure AI, e-mobility, circular economy, liquidation damage cover, and natural catastrophes solutions. Further, it offers life, property-casualty, health, legal protection, and travel insurance products under the ERGO brand name; and insurance solutions for agriculture, captive, epidemic, cyber, and renewable energy. The company was founded in 1880 and is based in Munich, Germany.