Analyzing Huize (NASDAQ:HUIZ) & The Baldwin Insurance Group (NASDAQ:BWIN)

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

Volatility & Risk

Huize has a beta of 0.57, indicating that its stock price is 43% less volatile than the S&P 500. Comparatively, The Baldwin Insurance Group has a beta of 1.59, indicating that its stock price is 59% more volatile than the S&P 500.

Institutional and Insider Ownership

70.4% of The Baldwin Insurance Group shares are held by institutional investors. 30.4% of Huize 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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Huize and The Baldwin Insurance Group’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Huize	$168.39 million	0.30	$9.89 million	$0.17	5.88
The Baldwin Insurance Group	$1.22 billion	4.05	-$90.14 million	($0.92)	-45.66

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

Analyst Ratings

This is a breakdown of recent recommendations for Huize and The Baldwin Insurance Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Huize	0	0	0	0	N/A
The Baldwin Insurance Group	0	0	3	1	3.25

The Baldwin Insurance Group has a consensus price target of $41.75, suggesting a potential downside of 0.62%. Given The Baldwin Insurance Group’s higher probable upside, analysts clearly believe The Baldwin Insurance Group is more favorable than Huize.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Huize	4.91%	14.88%	6.02%
The Baldwin Insurance Group	-4.29%	9.21%	2.82%

Summary

The Baldwin Insurance Group beats Huize on 7 of the 13 factors compared between the two stocks.

About Huize

Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platform through various internet channels in the People's Republic of China. The company provides life and health insurance products, such as critical illness, illness and disease, annuity, and term and whole life insurance products; and property and casualty insurance products, including travel, individual casualty, and corporate liability insurance products. It also offers offline insurance intermediary and brokerage services. The company also provides digital and technology development services; investment, technology development, internet information, management, and financial consulting services; business management and catering services; and insurance agency services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, 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.