Scor (OTCMKTS:SCRYY) versus AIFU (NASDAQ:AIFU) Critical Comparison

Scor (OTCMKTS:SCRYY) and AIFU (NASDAQ:AIFU) are both mid-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their dividends, earnings, profitability, institutional ownership, analyst recommendations, valuation and risk.

Insider and Institutional Ownership

26.7% of AIFU shares are held by institutional investors. 25.6% of AIFU shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Scor and AIFU, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Scor	0	2	4	0	2.67
AIFU	1	0	0	0	1.00

Volatility & Risk

Scor has a beta of 0.58, indicating that its stock price is 42% less volatile than the S&P 500. Comparatively, AIFU has a beta of 1.01, indicating that its stock price is 1% more volatile than the S&P 500.

Profitability

This table compares Scor and AIFU’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Scor	5.79%	20.83%	2.48%
AIFU	N/A	N/A	N/A

Earnings & Valuation

This table compares Scor and AIFU”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Scor	$17.39 billion	0.38	$962.82 million	$0.57	6.50
AIFU	$79.59 million	81.37	-$325.38 million	$14.60	3.59

Scor has higher revenue and earnings than AIFU. AIFU is trading at a lower price-to-earnings ratio than Scor, indicating that it is currently the more affordable of the two stocks.

Summary

Scor beats AIFU on 8 of the 13 factors compared between the two stocks.

About Scor

SCOR SE, together with its subsidiaries, provides life and non-life reinsurance products in Europe, the Middle East, Africa, the Americas, Latin America, and Asia Pacific. It operates in two segments, SCOR P&C and SCOR L&H. The SCOR P&C segment offers reinsurance products in the areas of property, motors, casualty treaties, credit and surety, decennial insurance, aviation, marine and energy, engineering, agricultural risks, and property catastrophes; specialties insurance products, including business solutions, political and credit risks, cyber, and environmental liability; and business ventures and partnerships. The SCOR L&H segment provides life reinsurance products, such as protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, it is involved in the asset management business. SCOR SE was founded in 1970 and is headquartered in Paris, France.

About AIFU

AIX, Inc. engages in the provision of agency services and insurance claims adjusting services. It operates through the Insurance Agency and Claims Adjusting segments. The Insurance Agency segment includes providing agency services for insurance products and life insurance products. The Claims Adjusting segment provides pre-underwriting survey services, claims adjusting services, disposal of residual value services, loading and unloading supervision services, and consulting services. The company was founded by Yin An Hu and Qiu Ping Lai in 1998 and is headquartered in Guangzhou, China.