Reviewing Cheche Group (NASDAQ:CCG) and Ryan Specialty (NYSE:RYAN)

Ryan Specialty (NYSE:RYAN) and Cheche Group (NASDAQ:CCG) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, dividends, profitability, risk and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Ryan Specialty and Cheche Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryan Specialty	1	10	8	0	2.37
Cheche Group	1	2	0	0	1.67

Ryan Specialty presently has a consensus target price of $53.26, suggesting a potential upside of 34.07%. Given Ryan Specialty’s stronger consensus rating and higher possible upside, research analysts clearly believe Ryan Specialty is more favorable than Cheche Group.

Insider & Institutional Ownership

84.8% of Ryan Specialty shares are owned by institutional investors. Comparatively, 19.8% of Cheche Group shares are owned by institutional investors. 52.0% of Ryan Specialty shares are owned by insiders. Comparatively, 1.2% of Cheche Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Ryan Specialty and Cheche Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ryan Specialty	7.55%	43.97%	4.78%
Cheche Group	N/A	N/A	N/A

Earnings and Valuation

This table compares Ryan Specialty and Cheche Group”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryan Specialty	$3.22 billion	3.16	$63.40 million	$0.72	55.18
Cheche Group	$430.40 million	0.07	-$2.47 million	($2.80)	-5.22

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

Volatility and Risk

Ryan Specialty has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, Cheche Group has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500.

Summary

Ryan Specialty beats Cheche Group on 14 of the 14 factors compared between the two stocks.

About Ryan Specialty

Ryan Specialty Holdings, Inc. operates as a service provider of specialty products and solutions for insurance brokers, agents, and carriers in the United States, Canada, the United Kingdom, Europe, and Singapore. It offers distribution, underwriting, product development, administration, and risk management services by acting as a wholesale broker and a managing underwriter. The company serves commercial, industrial, institutional, and government sectors. Ryan Specialty Holdings, Inc. was founded in 2010 and is headquartered in Chicago, Illinois.

About Cheche Group

Cheche Group Inc. offer auto insurance technology platform. The company evolved into a comprehensive, data-driven technology platform which offers a full suite of services and products for digital insurance transactions and insurance SaaS solutions principally in China. Cheche Group Inc., formerly known as Prime Impact, is headquartered in Beijing, China.