Contrasting Zhibao Technology (NASDAQ:ZBAO) & International General Insurance (NASDAQ:IGIC)

International General Insurance (NASDAQ:IGIC) and Zhibao Technology (NASDAQ:ZBAO) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation.

Volatility & Risk

International General Insurance has a beta of 0.15, suggesting that its share price is 85% less volatile than the S&P 500. Comparatively, Zhibao Technology has a beta of 1.89, suggesting that its share price is 89% more volatile than the S&P 500.

Institutional & Insider Ownership

54.2% of International General Insurance shares are held by institutional investors. 20.1% of International General Insurance shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares International General Insurance and Zhibao Technology’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International General Insurance	23.76%	18.36%	5.82%
Zhibao Technology	N/A	N/A	N/A

Valuation and Earnings

This table compares International General Insurance and Zhibao Technology”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International General Insurance	$539.00 million	2.12	$135.15 million	$2.76	9.27
Zhibao Technology	$38.66 million	0.76	-$8.66 million	N/A	N/A

International General Insurance has higher revenue and earnings than Zhibao Technology.

Analyst Ratings

This is a summary of recent ratings and recommmendations for International General Insurance and Zhibao Technology, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International General Insurance	0	0	3	0	3.00
Zhibao Technology	1	0	0	0	1.00

International General Insurance presently has a consensus price target of $30.00, indicating a potential upside of 17.28%. Given International General Insurance’s stronger consensus rating and higher possible upside, analysts clearly believe International General Insurance is more favorable than Zhibao Technology.

Summary

International General Insurance beats Zhibao Technology on 11 of the 12 factors compared between the two stocks.

About International General Insurance

International General Insurance Holdings Ltd. engages in the provision of specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It is involved in underwriting a portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, motor, marine liability, contingency, marine, treaty, and casualty insurance and reinsurance. The company was founded in 2001 and is based in Amman, Jordan.

About Zhibao Technology

Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in China. It also offers managing general underwriter services; and offline insurance brokerage consulting services. The company was founded in 2015 and is based in Shanghai, China.