Reinsurance Group of America (NYSE:RGA – Get Free Report) and Baldwin Insurance Group (NASDAQ:BWIN – Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, analyst recommendations, risk, institutional ownership, profitability and earnings.
Institutional and Insider Ownership
95.1% of Reinsurance Group of America shares are held by institutional investors. Comparatively, 77.5% of Baldwin Insurance Group shares are held by institutional investors. 1.4% of Reinsurance Group of America shares are held by insiders. Comparatively, 20.1% of Baldwin Insurance Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings for Reinsurance Group of America and Baldwin Insurance Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Reinsurance Group of America | 0 | 4 | 7 | 0 | 2.64 |
| Baldwin Insurance Group | 1 | 2 | 5 | 0 | 2.50 |
Profitability
This table compares Reinsurance Group of America and Baldwin Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Reinsurance Group of America | 3.54% | 12.56% | 1.15% |
| Baldwin Insurance Group | -1.22% | 13.24% | 3.82% |
Volatility and Risk
Reinsurance Group of America has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, Baldwin Insurance Group has a beta of 1.66, meaning that its stock price is 66% more volatile than the S&P 500.
Earnings & Valuation
This table compares Reinsurance Group of America and Baldwin Insurance Group”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Reinsurance Group of America | $22.11 billion | 0.56 | $717.00 million | $11.52 | 16.19 |
| Baldwin Insurance Group | $1.39 billion | 2.75 | -$24.52 million | ($0.29) | -111.28 |
Reinsurance Group of America has higher revenue and earnings than Baldwin Insurance Group. Baldwin Insurance Group is trading at a lower price-to-earnings ratio than Reinsurance Group of America, indicating that it is currently the more affordable of the two stocks.
Summary
Reinsurance Group of America beats Baldwin Insurance Group on 8 of the 14 factors compared between the two stocks.
About Reinsurance Group of America
Reinsurance Group of America, Incorporated engages in reinsurance business. The company offers individual and group life and health insurance products, such as term life, credit life, universal life, whole life, group life and health, joint and last survivor insurance, critical illness, disability, and longevity products; asset-intensive and financial reinsurance products; and other capital motivated solutions. It also provides reinsurance for mortality, morbidity, lapse, and investment-related risk associated with products; and reinsurance for investment-related risks. In addition, the company develops and markets technology solutions; and provides consulting and outsourcing solutions for the insurance and reinsurance industries. It operates in the United States, Latin America, Canada, Europe, the Middle East, Africa, and the Asia Pacific. The company was founded in 1973 and is headquartered in Chesterfield, Missouri.
About Baldwin Insurance Group
The Baldwin Insurance Group, Inc. operates as an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. It operates through three segments: Insurance Advisory Solutions; Underwriting, Capacity & Technology Solutions; and Mainstreet Insurance Solutions. The Insurance Advisory Solutions segment provides commercial risk management, employee benefits, and private risk management solutions for businesses and high-net-worth individuals, as well as their families. The Underwriting, Capacity & Technology Solutions segment offers Future platform, that manufactures technology-enabled insurance products suite comprises personal, commercial, and specialty lines; specialty wholesale broker business that delivers professionals, individuals, and niche industry businesses; and reinsurance brokerage services. The Mainstreet Insurance Solutions segment provides personal insurance, commercial insurance, and life and health solutions to individuals and businesses in communities. The company was formerly known as BRP Group, Inc. and changed its name to The Baldwin Insurance Group, Inc. in May 2024. The Baldwin Insurance Group, Inc. was founded in 2011 and is headquartered in Tampa, Florida.
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