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

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

Insider & Institutional Ownership

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$1.24 million	0.98	-$2.45 million	N/A	N/A
The Baldwin Insurance Group	$1.22 billion	4.76	-$90.14 million	($0.64)	-77.09

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

Analyst Recommendations

This is a summary of current ratings and recommmendations for Tian Ruixiang and The Baldwin Insurance Group, as provided by MarketBeat.

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

The Baldwin Insurance Group has a consensus target price of $47.17, suggesting a potential downside of 4.40%. Given The Baldwin Insurance Group’s stronger consensus rating and higher possible upside, analysts clearly believe The Baldwin Insurance Group is more favorable than Tian Ruixiang.

Profitability

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

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

Volatility and Risk

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

Summary

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

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.

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.