Comparing Two Small Finance Companies: Who Comes Out on Top?

Institutional Backing

• EverQuote
• 91.5% of shares held by institutional investors

• Backed by endowments, money managers, and hedge funds

• Zhibao Technology
• 25.5% of shares held by insiders

Financial Metrics

• EverQuote
• Higher revenue and earnings
• Lower price-to-sales ratio
• Net margin: 7.57%
• Return on equity: 36.90%

• Return on assets: 24.45%

• Zhibao Technology
• Higher beta (more volatile stock price)
• No data on net margin, return on equity, or return on assets

Analyst Ratings

• EverQuote
• Consensus price target: $32.40 (38.28% upside)

• Four buy ratings and one strong buy rating

• Zhibao Technology
• No analyst ratings

Company Overview

• Zhibao Technology
• Chinese company
• Provides digital insurance brokerage services
• Founded in 2015

• Based in Shanghai

• EverQuote
• American company
• Operates an online marketplace for insurance shopping
• Founded in 2008
• Based in Cambridge, Massachusetts

Conclusion

EverQuote appears to be the better investment choice due to its stronger financial metrics, analyst support, and lower risk profile. However, always conduct your own research and consider your financial goals before investing.