Financial Analysis: TWFG (NASDAQ:TWFG) versus Corebridge Financial (NYSE:CRBG)

Corebridge Financial (NYSE:CRBG) and TWFG (NASDAQ:TWFG) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, profitability, risk, analyst recommendations, dividends, earnings and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Corebridge Financial	-1.80%	22.06%	0.74%
TWFG	2.74%	7.82%	6.58%

Earnings & Valuation

This table compares Corebridge Financial and TWFG”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corebridge Financial	$15.34 billion	1.22	$2.23 billion	($0.61)	-56.99
TWFG	$203.76 million	7.28	$2.74 million	$0.41	64.49

Corebridge Financial has higher revenue and earnings than TWFG. Corebridge Financial 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 ratings and recommmendations for Corebridge Financial and TWFG, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corebridge Financial	0	3	8	0	2.73
TWFG	0	4	4	0	2.50

Corebridge Financial presently has a consensus target price of $40.70, indicating a potential upside of 17.07%. TWFG has a consensus target price of $34.57, indicating a potential upside of 30.75%. Given TWFG’s higher possible upside, analysts clearly believe TWFG is more favorable than Corebridge Financial.

Insider & Institutional Ownership

98.3% of Corebridge Financial shares are owned by institutional investors. 0.3% of Corebridge Financial shares are owned by company insiders. Comparatively, 66.5% of TWFG shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

TWFG beats Corebridge Financial on 7 of the 13 factors compared between the two stocks.

About Corebridge Financial

Corebridge Financial, Inc. provides retirement solutions and insurance products in the United States. The company operates through Individual Retirement, Group Retirement, Life Insurance, and Institutional Markets segments. The Individual Retirement segment provides fixed annuities, fixed index annuities, variable annuities, and retail mutual funds. The Group Retirement segment offers record-keeping services, plan administration and compliance services, and financial planning and advisory solutions to employer-defined contribution plans and their participants, as well as proprietary and non-proprietary annuities, advisory services, and brokerage products. The Life Insurance segment offers term life and universal life insurance in the United States, as well as issues individual life, whole life, and group life insurance in the United Kingdom; and distributes medical insurance in Ireland. The Institutional Markets segment provides stable value wraps, structured settlement and pension risk transfer annuities, corporate and bank owned life insurance, private placement variable universal life and annuities products, and guaranteed investment contracts. The company was formerly known as SAFG Retirement Services, Inc. Corebridge Financial, Inc. was incorporated in 1998 and is headquartered in Houston, Texas. The company operates as a subsidiary of American International Group, Inc.

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.