Head-To-Head Contrast: Tian Ruixiang (NASDAQ:TIRX) and Roadzen (NASDAQ:RDZN)

Tian Ruixiang (NASDAQ:TIRX) and Roadzen (NASDAQ:RDZN) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, earnings, analyst recommendations, profitability, risk and dividends.

Profitability

This table compares Tian Ruixiang and Roadzen’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tian Ruixiang	N/A	N/A	N/A
Roadzen	-287.82%	-31,166.20%	-221.81%

Analyst Recommendations

This is a summary of current ratings and recommmendations for Tian Ruixiang and Roadzen, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tian Ruixiang	0	0	0	0	N/A
Roadzen	0	0	1	0	3.00

Roadzen has a consensus target price of $10.00, indicating a potential upside of 687.40%. Given Roadzen’s higher probable upside, analysts clearly believe Roadzen is more favorable than Tian Ruixiang.

Risk and Volatility

Tian Ruixiang has a beta of 0.82, suggesting that its stock price is 18% less volatile than the S&P 500. Comparatively, Roadzen has a beta of 0.69, suggesting that its stock price is 31% less volatile than the S&P 500.

Earnings and Valuation

This table compares Tian Ruixiang and Roadzen”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$1.24 million	1.19	-$2.45 million	N/A	N/A
Roadzen	$50.04 million	1.74	-$99.67 million	N/A	N/A

Tian Ruixiang has higher earnings, but lower revenue than Roadzen.

Insider & Institutional Ownership

10.7% of Tian Ruixiang shares are held by institutional investors. Comparatively, 24.7% of Roadzen shares are held by institutional investors. 39.6% of Tian Ruixiang shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Tian Ruixiang beats Roadzen on 6 of the 11 factors compared between the two stocks.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.

About Roadzen

Roadzen, Inc., an insurtech company, provides various insurance products in the United States and internationally. It offers insurance as a service platform, including Via, which enables fleets, carmakers, and insurers to inspect a vehicle using computer vision; Global Distribution Network that enables the configuration, customer quote, payment, and administration of any insurance policy with any insurance carrier as the underwriter; xClaim, which enables digital, touchless, and real-time resolution of claims; StrandD, a digital, real-time dispatch, and tracking for roadside assistance and first notice of loss during accident claims; Good Driving that enables insurers and fleets to recognize drivers, train drivers, and build usage based insurance programs; and Drivebuddy AI, which provides driver-assistance capabilities. The company also provides insurance distribution platform that enables product creation and underwriting, re-insurer backing, and API exchange; and distribution, pre-inspection assistance, telematics, and roadside assistance. In addition, it offers insurance broker services. Roadzen, Inc. was founded in 2015 and is based in Burlingame, California.