Reviewing Baldwin Insurance Group (NASDAQ:BWIN) & UTG (OTCMKTS:UTGN)

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

Institutional and Insider Ownership

77.5% of Baldwin Insurance Group shares are owned by institutional investors. Comparatively, 0.1% of UTG shares are owned by institutional investors. 20.1% of Baldwin Insurance Group shares are owned by insiders. Comparatively, 71.6% of UTG shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for Baldwin Insurance Group and UTG, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Baldwin Insurance Group	2	2	4	0	2.25
UTG	0	0	0	0	0.00

Baldwin Insurance Group currently has a consensus target price of $43.67, suggesting a potential upside of 37.88%. Given Baldwin Insurance Group’s stronger consensus rating and higher probable upside, equities analysts plainly believe Baldwin Insurance Group is more favorable than UTG.

Volatility and Risk

Baldwin Insurance Group has a beta of 1.43, suggesting that its stock price is 43% more volatile than the S&P 500. Comparatively, UTG has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500.

Valuation and Earnings

This table compares Baldwin Insurance Group and UTG”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Baldwin Insurance Group	$1.39 billion	2.71	-$24.52 million	($0.29)	-109.21
UTG	$84.91 million	1.74	$49.30 million	$14.14	3.31

UTG has lower revenue, but higher earnings than Baldwin Insurance Group. Baldwin Insurance Group is trading at a lower price-to-earnings ratio than UTG, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Baldwin Insurance Group and UTG’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Baldwin Insurance Group	-1.22%	13.24%	3.82%
UTG	55.51%	20.73%	9.26%

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.

About UTG

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. In addition, it offers reinsurance products. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.