Contrasting Tian Ruixiang (NASDAQ:TIRX) & The Baldwin Insurance Group (NASDAQ:BWIN)

The Baldwin Insurance Group (NASDAQ:BWIN) and Tian Ruixiang (NASDAQ:TIRX) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, institutional ownership, profitability, valuation, analyst recommendations, risk and dividends.

Risk & Volatility

The Baldwin Insurance Group has a beta of 1.6, suggesting that its share price is 60% more volatile than the S&P 500. Comparatively, Tian Ruixiang has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings for The Baldwin Insurance Group and Tian Ruixiang, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
The Baldwin Insurance Group	0	2	4	1	2.86
Tian Ruixiang	0	0	0	0	0.00

The Baldwin Insurance Group currently has a consensus target price of $47.17, suggesting a potential downside of 1.39%. Given The Baldwin Insurance Group’s stronger consensus rating and higher probable upside, equities analysts clearly believe The Baldwin Insurance Group is more favorable than Tian Ruixiang.

Insider and Institutional Ownership

70.4% of The Baldwin Insurance Group shares are held by institutional investors. Comparatively, 10.7% of Tian Ruixiang shares are held by institutional investors. 20.1% of The Baldwin Insurance Group shares are held by company insiders. Comparatively, 39.6% of Tian Ruixiang shares are held 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
The Baldwin Insurance Group	-2.89%	10.57%	3.10%
Tian Ruixiang	N/A	N/A	N/A

Valuation & Earnings

This table compares The Baldwin Insurance Group and Tian Ruixiang”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
The Baldwin Insurance Group	$1.33 billion	4.21	-$90.14 million	($0.64)	-74.73
Tian Ruixiang	$697,733.00	1.85	-$2.45 million	N/A	N/A

Tian Ruixiang has lower revenue, but higher earnings than The Baldwin Insurance Group.

Summary

The Baldwin Insurance Group beats Tian Ruixiang on 10 of the 13 factors compared between the two stocks.

About The 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 Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.