EverQuote (NASDAQ:EVER) and American International Group (NYSE:AIG) Financial Contrast

American International Group (NYSE:AIG) and EverQuote (NASDAQ:EVER) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, earnings, analyst recommendations, profitability, institutional ownership, valuation and risk.

Earnings and Valuation

This table compares American International Group and EverQuote”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
American International Group	$26.78 billion	1.46	$3.10 billion	$5.42	13.48
EverQuote	$692.52 million	0.79	$99.31 million	$2.64	5.75

American International Group has higher revenue and earnings than EverQuote. EverQuote is trading at a lower price-to-earnings ratio than American International Group, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

American International Group has a beta of 0.58, indicating that its share price is 42% less volatile than the S&P 500. Comparatively, EverQuote has a beta of 0.54, indicating that its share price is 46% less volatile than the S&P 500.

Institutional & Insider Ownership

90.6% of American International Group shares are held by institutional investors. Comparatively, 91.5% of EverQuote shares are held by institutional investors. 0.5% of American International Group shares are held by company insiders. Comparatively, 25.5% of EverQuote shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares American International Group and EverQuote’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
American International Group	11.56%	9.79%	2.48%
EverQuote	14.34%	57.65%	39.98%

Analyst Ratings

This is a breakdown of current recommendations for American International Group and EverQuote, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
American International Group	0	12	8	1	2.48
EverQuote	0	2	6	0	2.75

American International Group currently has a consensus target price of $88.17, indicating a potential upside of 20.72%. EverQuote has a consensus target price of $23.83, indicating a potential upside of 56.90%. Given EverQuote’s stronger consensus rating and higher probable upside, analysts clearly believe EverQuote is more favorable than American International Group.

Summary

American International Group beats EverQuote on 8 of the 15 factors compared between the two stocks.

About American International Group

American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: General Insurance, Life and Retirement, and Other Operations. The General Insurance segment provides commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers’ compensation, excess casualty, and crisis management insurance products; and professional liability insurance. This segment offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions, as well as operates reinsurance business; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and personal property insurance. Its Life and Retirement segment offers individual retirement products, including variable, fixed index, and fixed annuities, as well as retail mutual funds; group retirement products comprising record-keeping, plan administrative and compliance services, financial planning, and advisory solutions; life insurance, including term and universal life insurance; and institutional markets products, which includes wrap products, structured settlement, pension risk transfer annuities, corporate and bank-owned life insurance, high net worth, and guaranteed investment contract products. It distributes its products through a network of brokers, agents, advisors, banks, and other distributors. The company was founded in 1919 and is headquartered in New York, New York.

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.