Financial Contrast: Zurich Insurance Group (OTCMKTS:ZURVY) vs. Upstart (NASDAQ:UPST)


Zurich Insurance Group ( OTCMKTS:ZURVY – Get Rating ) and Upstart ( NASDAQ:UPST – Get Rating ) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, risk, dividends, valuation and earnings.

Volatility and risk

Zurich Insurance Group has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. In comparison, Upstart has a beta of 2.05, indicating that its share price is 105% more volatile than the S&P 500.

Analyst ratings

This is a summary of the latest ratings and recommendations for Zurich Insurance Group and Upstart, as reported by MarketBeat.com.

Estimates for sale Hold the ratings Buy ratings Strong buy ratings Rating score
Zurich Insurance Group 0 3 5 0 2.63
Upstart 3 7 3 0 2.00

Upstart has a consensus target price of $92.46, indicating a potential upside of 181.72%. Given Upstart’s higher probable upside, analysts clearly believe Upstart is more favorable than Zurich Insurance Group.

Earnings and rating

This table compares Zurich Insurance Group and Upstart’s revenue, earnings per share and valuation.

Gross income Price/sales ratio Net income Earnings per share Price/earnings ratio
Zurich Insurance Group $69.87 billion 0.95 $5.20 billion N/A N/A
Upstart $848.59 million 3.28 $135.44 million $1.64 20.01

Zurich Insurance Group has higher revenue and earnings than Upstart.

Profitability

This table compares the net margins, return on equity and return on assets of Zurich Insurance Group and Upstart.

Net margins Return on capital Return on assets
Zurich Insurance Group N/A N/A N/A
Upstart 15.23% 20.27% 10.01%

Institutional and internal ownership

0.0% of Zurich Insurance Group shares are owned by institutional investors. Comparatively, 59.7% of Upstart shares are owned by institutional investors. 18.9% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and foundations believe a company will outperform the market over the long term.

Summary

Upstart beats Zurich Insurance Group on 8 of the 12 factors compared between the two stocks.

About Zurich Insurance Group (Get Rating)

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 region. The company operates through property and casualty regions, life regions, farmers, group functions and operations and non-core business segments. It offers insurance products for car, home, travel, general liability, life and critical illness, workers’ injury and more; and savings and investments, as well as pension and retirement planning products. The company also provides insurance products for property, casualty, management or professional liability, trade credit, political risk, marine, cyber risk and financial institutions. It also offers employee benefit insurance products; reinsurance services; and non-claims and support services for farmers’ markets. It serves individuals, small businesses, medium and large companies, as well as multinational corporations. The company 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 Upstart (Get Rating)

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates user demand for loans and connects it to the company’s network of AI-enabled banking partners. The company was founded in 2012 and is headquartered in San Mateo, California.



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