Analyzing Allianz (OTCMKTS:ALIZY) and The Baldwin Insurance Group (NASDAQ:BWIN)

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

Risk and Volatility

The Baldwin Insurance Group has a beta of 1.6, indicating that its share price is 60% more volatile than the S&P 500. Comparatively, Allianz has a beta of 1.12, indicating that its share price is 12% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for The Baldwin Insurance Group and Allianz, 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
Allianz	0	0	0	1	4.00

The Baldwin Insurance Group currently has a consensus target price of $47.17, indicating a potential upside of 7.37%. Given The Baldwin Insurance Group’s higher probable upside, equities analysts plainly believe The Baldwin Insurance Group is more favorable than Allianz.

Insider & Institutional Ownership

70.4% of The Baldwin Insurance Group shares are held by institutional investors. Comparatively, 0.0% of Allianz shares are held by institutional investors. 20.1% of The Baldwin Insurance Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares The Baldwin Insurance Group and Allianz’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%
Allianz	5.54%	16.34%	1.01%

Earnings & Valuation

This table compares The Baldwin Insurance Group and Allianz”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
The Baldwin Insurance Group	$1.22 billion	4.24	-$90.14 million	($0.64)	-68.64
Allianz	$174.99 billion	0.68	$9.24 billion	$2.62	11.56

Allianz has higher revenue and earnings than The Baldwin Insurance Group. The Baldwin Insurance Group is trading at a lower price-to-earnings ratio than Allianz, indicating that it is currently the more affordable of 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 Allianz

Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company’s Property-Casualty segment offers various insurance products, including motor liability and own damage, accident, general liability, fire and property, legal expense, credit, and travel to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products. The company’s Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, and multi-assets; and alternative investment products that include real estate, infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.