Financial Review: Zurich Insurance Group (OTCMKTS:ZURVY) versus International General Insurance (NASDAQ:IGIC)

Zurich Insurance Group (OTCMKTS:ZURVY) and International General Insurance (NASDAQ:IGIC) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, dividends, risk, profitability and earnings.

Volatility and Risk

Zurich Insurance Group has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500. Comparatively, International General Insurance has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for Zurich Insurance Group and International General Insurance, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zurich Insurance Group	1	3	0	0	1.75
International General Insurance	0	0	2	0	3.00

International General Insurance has a consensus price target of $28.00, indicating a potential upside of 10.94%. Given International General Insurance’s stronger consensus rating and higher probable upside, analysts clearly believe International General Insurance is more favorable than Zurich Insurance Group.

Dividends

Zurich Insurance Group pays an annual dividend of $1.08 per share and has a dividend yield of 3.0%. International General Insurance pays an annual dividend of $0.20 per share and has a dividend yield of 0.8%. International General Insurance pays out 7.0% of its earnings in the form of a dividend. International General Insurance has raised its dividend for 2 consecutive years.

Insider and Institutional Ownership

0.0% of Zurich Insurance Group shares are owned by institutional investors. Comparatively, 54.2% of International General Insurance shares are owned by institutional investors. 0.0% of Zurich Insurance Group shares are owned by insiders. Comparatively, 20.1% of International General Insurance shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Zurich Insurance Group and International General Insurance”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zurich Insurance Group	$62.95 billion	1.74	$6.80 billion	N/A	N/A
International General Insurance	$516.90 million	2.18	$127.20 million	$2.87	8.79

Zurich Insurance Group has higher revenue and earnings than International General Insurance.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Zurich Insurance Group	N/A	N/A	N/A
International General Insurance	24.61%	16.98%	5.45%

Summary

International General Insurance beats Zurich Insurance Group on 10 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, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car and motor, 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, energy and engineering lines, and marine; commercial management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as and non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, and cyber resilience, as well as climate risk assessment and reinsurance services. The company serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. It sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.

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.