Financial Analysis: Scor (OTCMKTS:SCRYY) vs. TWFG (NASDAQ:TWFG)

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

Risk & Volatility

Scor has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. Comparatively, TWFG has a beta of 0.11, suggesting that its stock price is 89% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Scor	5.63%	20.01%	2.37%
TWFG	2.87%	8.74%	7.27%

Earnings & Valuation

This table compares Scor and TWFG”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Scor	$17.45 billion	0.33	$4.33 million	$0.54	5.92
TWFG	$203.76 million	7.41	$2.74 million	$0.44	61.09

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Scor and TWFG, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Scor	0	3	3	1	2.71
TWFG	2	3	4	0	2.22

TWFG has a consensus target price of $32.86, suggesting a potential upside of 22.24%. Given TWFG’s higher possible upside, analysts clearly believe TWFG is more favorable than Scor.

Summary

Scor beats TWFG 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 TWFG

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.