ZhongAn Online P & C Insurance (OTCMKTS:ZZHGF – Get Free Report) and Travelers Companies (NYSE:TRV – Get Free Report) are both financial services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, profitability, earnings, dividends and valuation.
Valuation & Earnings
This table compares ZhongAn Online P & C Insurance and Travelers Companies’ gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ZhongAn Online P & C Insurance | N/A | N/A | N/A | N/A | N/A |
| Travelers Companies | $36.88 billion | 1.04 | $2.84 billion | $9.39 | 17.87 |
Travelers Companies has higher revenue and earnings than ZhongAn Online P & C Insurance.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ZhongAn Online P & C Insurance | 0 | 0 | 0 | 0 | N/A |
| Travelers Companies | 0 | 7 | 5 | 1 | 2.54 |
Travelers Companies has a consensus target price of $196.92, indicating a potential upside of 17.35%. Given Travelers Companies’ higher possible upside, analysts clearly believe Travelers Companies is more favorable than ZhongAn Online P & C Insurance.
Insider and Institutional Ownership
81.1% of Travelers Companies shares are owned by institutional investors. 1.3% of Travelers Companies shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares ZhongAn Online P & C Insurance and Travelers Companies’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| ZhongAn Online P & C Insurance | N/A | N/A | N/A |
| Travelers Companies | 5.77% | 10.75% | 1.98% |
Summary
Travelers Companies beats ZhongAn Online P & C Insurance on 9 of the 9 factors compared between the two stocks.
About ZhongAn Online P & C Insurance
ZhongAn Online P & C Insurance Co., Ltd., an Internet-based Insurtech company, provides internet insurance and insurance information technology services in the People's Republic of China. The company operates through Insurance, Technology, Banking, and Others segments. It offers property and casualty insurance products, including accident, bond, health, liability, credit, cargo, household property, motor, and other insurance, as well as shipping return insurance. The company also provides technology development and consulting, asset management, IT consulting, Internet hospital, biotechnology, pharmacy, technology training, Fintech, digital asset, medical, life insurance, online banking, and insurance broking services. The company was incorporated in 2013 and is headquartered in Shanghai, China.
About Travelers Companies
The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States and internationally. It operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
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