Zurich Insurance Group (OTCMKTS:ZURVY) and Harvest Capital Credit (NASDAQ:HCAP) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, profitability, earnings, risk, analyst recommendations, institutional ownership and dividends.
This table compares Zurich Insurance Group and Harvest Capital Credit’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|
|Harvest Capital Credit||16.14%||6.25%||3.77%|
This is a breakdown of current ratings and price targets for Zurich Insurance Group and Harvest Capital Credit, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Zurich Insurance Group||0||2||3||0||2.60|
|Harvest Capital Credit||0||0||0||0||N/A|
Valuation & Earnings
This table compares Zurich Insurance Group and Harvest Capital Credit’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||$47.18 billion||1.25||$3.72 billion||$2.48||15.88|
|Harvest Capital Credit||$16.18 million||3.70||$5.07 million||$0.93||10.59|
Zurich Insurance Group has higher revenue and earnings than Harvest Capital Credit. Harvest Capital Credit is trading at a lower price-to-earnings ratio than Zurich Insurance Group, indicating that it is currently the more affordable of the two stocks.
Zurich Insurance Group pays an annual dividend of $1.59 per share and has a dividend yield of 4.0%. Harvest Capital Credit pays an annual dividend of $0.96 per share and has a dividend yield of 9.7%. Zurich Insurance Group pays out 64.1% of its earnings in the form of a dividend. Harvest Capital Credit pays out 103.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Institutional and Insider Ownership
0.3% of Zurich Insurance Group shares are held by institutional investors. Comparatively, 8.3% of Harvest Capital Credit shares are held by institutional investors. 13.4% of Harvest Capital Credit shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Volatility and Risk
Zurich Insurance Group has a beta of 0.66, meaning that its stock price is 34% less volatile than the S&P 500. Comparatively, Harvest Capital Credit has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500.
Harvest Capital Credit beats Zurich Insurance Group on 8 of the 14 factors compared between the two stocks.
Zurich Insurance Group Company Profile
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, and Non-Core Businesses segments. It offers car, 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, management or professional liability, trade credit, political risk, marine, automotive, cyber risk, and financial institution insurance products. In addition, it offers employee benefit insurance products; and reinsurance services, as well as provides non-claims administrative, management, and other services to the farmers' exchanges. It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. Zurich Insurance Group AG was founded in 1872 and is headquartered in Zurich, Switzerland.
Harvest Capital Credit Company Profile
Harvest Capital Credit Corporation is a business development company providing structured credit to small businesses and specializing in leveraged buyouts, add-on acquisitions, recapitalizations, growth financings and debt refinancing investments. It prefers to invest in North America-based companies. The firm invest in multiple layers of a company's capital structure, from senior secured debt to subordinated debt and minority equity capital. The firm typically invests in companies with target equity size of $250k to $1 million and target loan size of $2 million to $15 million, having revenue between $10 million and $100 million with at least $1.5 million of annual EBITDA. Harvest Capital Credit Corporation was founded in 2012 and is based in New York, New York.
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