Analyzing Baldwin Insurance Group (NASDAQ:BWIN) and Aflac (NYSE:AFL)

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Baldwin Insurance Group	$1.72 billion	2.59	-$33.81 million	($1.04)	-30.70
Aflac	$17.16 billion	3.45	$3.65 billion	$9.33	12.65

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

Risk and Volatility

Baldwin Insurance Group has a beta of 1, meaning that its share price has a similar volatility profile to the S&P 500.Comparatively, Aflac has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings for Baldwin Insurance Group and Aflac, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Baldwin Insurance Group	2	9	1	0	1.92
Aflac	4	8	3	1	2.06

Baldwin Insurance Group presently has a consensus target price of $31.20, suggesting a potential downside of 2.29%. Aflac has a consensus target price of $117.20, suggesting a potential downside of 0.73%. Given Aflac’s stronger consensus rating and higher possible upside, analysts plainly believe Aflac is more favorable than Baldwin Insurance Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Baldwin Insurance Group	-4.67%	12.67%	3.32%
Aflac	26.91%	13.27%	3.34%

Insider & Institutional Ownership

77.5% of Baldwin Insurance Group shares are owned by institutional investors. Comparatively, 67.4% of Aflac shares are owned by institutional investors. 15.8% of Baldwin Insurance Group shares are owned by insiders. Comparatively, 0.8% of Aflac shares are owned 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.

Summary

Aflac beats Baldwin Insurance Group on 12 of the 15 factors compared between the two stocks.

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.

About Aflac

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates through Aflac Japan and Aflac U.S. segments. The Aflac Japan segment offers cancer, medical, nursing care, work leave, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.