Head to Head Comparison: Roadzen (NASDAQ:RDZN) vs. Axis Capital (NYSE:AXS)

Roadzen (NASDAQ:RDZN) and Axis Capital (NYSE:AXS) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, valuation, dividends, risk, profitability and institutional ownership.

Institutional & Insider Ownership

24.7% of Roadzen shares are held by institutional investors. Comparatively, 93.4% of Axis Capital shares are held by institutional investors. 29.5% of Roadzen shares are held by company insiders. Comparatively, 0.6% of Axis Capital shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk & Volatility

Roadzen has a beta of 1.24, suggesting that its share price is 24% more volatile than the S&P 500. Comparatively, Axis Capital has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500.

Profitability

This table compares Roadzen and Axis Capital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Roadzen	-30.61%	N/A	-40.70%
Axis Capital	16.00%	18.12%	3.02%

Analyst Recommendations

This is a breakdown of recent ratings for Roadzen and Axis Capital, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Roadzen	1	0	0	0	1.00
Axis Capital	0	2	8	0	2.80

Axis Capital has a consensus target price of $122.10, indicating a potential upside of 28.71%. Given Axis Capital’s stronger consensus rating and higher possible upside, analysts clearly believe Axis Capital is more favorable than Roadzen.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Roadzen	$50.30 million	2.98	-$72.87 million	($0.20)	-9.40
Axis Capital	$6.56 billion	1.07	$1.01 billion	$13.42	7.07

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

Summary

Axis Capital beats Roadzen on 11 of the 14 factors compared between the two stocks.

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.

About Axis Capital

AXIS Capital Holdings Limited, through its subsidiaries, provides various specialty insurance and reinsurance products in Bermuda, the United States, and internationally. It operates through two segments, Insurance and Reinsurance. The Insurance segment offers professional insurance products that cover directors' and officers' liability, errors and omissions, employment practices, fiduciary, crime, professional indemnity, medical malpractice, and other financial insurance related coverages for commercial enterprises, financial institutions, not-for-profit organizations, and other professional service providers; and property insurance products for commercial buildings, residential premises, construction projects, property in transit, onshore renewable energy installations, and physical damage and business interruption following an act of terrorism. This segment also provides marine and aviation insurance services for offshore energy, renewable offshore energy, cargo, liability, including kidnap and ransom, fine art, specie, and hull war, hull and liability, and specific war coverage for passenger airlines, cargo operations, general aviation operations, airports, aviation authorities, security firms, and product manufacturers; personal accident, travel insurance, specialty health products for employer and affinity groups, and pet insurance products; and liability, cyber, and credit and political risk insurance services. The Reinsurance segment offers agriculture, marine and aviation, catastrophe, accidental and health, credit and surety, motor, professional, travel, life, engineering, property, and liability reinsurance products. AXIS Capital Holdings Limited was founded in 2001 and is headquartered in Pembroke, Bermuda.