Critical Contrast: Aviva (OTCMKTS:AVVIY) & Baldwin Insurance Group (NASDAQ:BWIN)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Aviva	N/A	N/A	N/A
Baldwin Insurance Group	-1.22%	13.24%	3.82%

Analyst Recommendations

This is a breakdown of current recommendations for Aviva and Baldwin Insurance Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Aviva	0	4	1	1	2.50
Baldwin Insurance Group	2	4	2	0	2.00

Baldwin Insurance Group has a consensus target price of $37.67, suggesting a potential upside of 66.89%. Given Baldwin Insurance Group’s higher probable upside, analysts clearly believe Baldwin Insurance Group is more favorable than Aviva.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Aviva	$26.51 billion	1.04	$872.81 million	N/A	N/A
Baldwin Insurance Group	$1.39 billion	1.93	-$24.52 million	($0.29)	-77.83

Aviva has higher revenue and earnings than Baldwin Insurance Group.

Volatility and Risk

Aviva has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500. Comparatively, Baldwin Insurance Group has a beta of 1.39, indicating that its stock price is 39% more volatile than the S&P 500.

Insider and Institutional Ownership

20.3% of Aviva shares are owned by institutional investors. Comparatively, 77.5% of Baldwin Insurance Group shares are owned by institutional investors. 18.5% of Baldwin Insurance Group shares are owned 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.

Summary

Baldwin Insurance Group beats Aviva on 8 of the 13 factors compared between the two stocks.

About Aviva

Aviva plc provides various insurance, retirement, investment, and savings products in the United Kingdom, Ireland, Canada, and internationally. The company offers life insurance, long-term health and accident insurance, savings, pension, and annuity products, as well as pension fund business and lifetime mortgage products. It also provides insurance cover to individuals, small and medium-sized businesses for risks associated with motor vehicles and medical expenses, as well as property and liability, such as employers' and professional indemnity liabilities. In addition, the company provides investment management services for institutional pension fund mandates; and manages various retail investment products, including investment funds, unit trusts, open-ended investment companies, and individual savings accounts for third-party financial institutions, pension funds, public sector organizations, investment professionals, and private investors. It markets its products through a network of insurance brokers, as well as MyAviva platform. The company was formerly known as CGNU plc and changed its name to Aviva plc in July 2002. Aviva plc was founded in 1696 and is headquartered in London, the United Kingdom.

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.