Zurich Insurance Group (OTCMKTS: ZURVY) and Medallion Financial (NASDAQ:MFIN) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, earnings and analyst recommendations.
Earnings and Valuation
This table compares Zurich Insurance Group and Medallion Financial’s top-line revenue, earnings per share and valuation.
||Earnings Per Share
|Zurich Insurance Group
Zurich Insurance Group has higher revenue and earnings than Medallion Financial. Zurich Insurance Group is trading at a lower price-to-earnings ratio than Medallion Financial, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
0.3% of Zurich Insurance Group shares are owned by institutional investors. Comparatively, 17.3% of Medallion Financial shares are owned by institutional investors. 16.7% of Medallion Financial shares are owned by 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.
Zurich Insurance Group pays an annual dividend of $0.13 per share and has a dividend yield of 0.4%. Medallion Financial does not pay a dividend. Zurich Insurance Group pays out 6.5% of its earnings in the form of a dividend.
This is a breakdown of current recommendations and price targets for Zurich Insurance Group and Medallion Financial, as reported by MarketBeat.
||Strong Buy Ratings
|Zurich Insurance Group
Medallion Financial has a consensus price target of $7.50, suggesting a potential upside of 34.41%. Given Medallion Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Medallion Financial is more favorable than Zurich Insurance Group.
This table compares Zurich Insurance Group and Medallion Financial’s net margins, return on equity and return on assets.
||Return on Equity
||Return on Assets
|Zurich Insurance Group
Risk and Volatility
Zurich Insurance Group has a beta of 0.92, suggesting that its stock price is 8% less volatile than the S&P 500. Comparatively, Medallion Financial has a beta of 1.76, suggesting that its stock price is 76% more volatile than the S&P 500.
Medallion Financial beats Zurich Insurance Group on 8 of the 15 factors compared between the two stocks.
About Zurich Insurance Group
Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, and Non-Core Businesses segments. It offers car, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, management or professional liability, trade credit, political risk, marine, automotive, and cyber risk insurance products; and international programs, risk engineering, claims, and captive services. In addition, it offers employee benefits and group risk solutions, corporate investment plans, multi-employer savings plans, pension plans, captive services, and pooling solutions, as well as international programs for employees. Further, the company provides non-claims administrative and management services to the farmers' exchanges; and reinsurance services. It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. Zurich Insurance Group AG was founded in 1872 and is headquartered in Zurich, Switzerland.
About Medallion Financial
Medallion Financial Corp., through with its subsidiaries, operates as a specialty finance company in the United States. It originates, acquires, and services loans that finance taxicab medallions and various types of commercial businesses. The company offers consumer loans for the purchase of recreational vehicles, boats, motorcycles, and trailers, as well as to finance small scale home improvements; and commercial loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business. It also provides secured mezzanine loans to businesses in various industries, including manufacturing, and various service providers; and asset based loans. In addition, the company offers other secured commercial loans to various businesses comprising retail trade and various service providers; and other debt, mezzanine, and equity investment capital to companies in various industries. Further, it raises deposits and conducts other banking activities. Medallion Financial Corp. was founded in 1995 and is headquartered in New York City, New York.
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