TWFG (NASDAQ:TWFG – Get Free Report) and Legal & General Group (OTCMKTS:LGGNY – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, risk, earnings, analyst recommendations, valuation, institutional ownership and profitability.
Volatility & Risk
TWFG has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500. Comparatively, Legal & General Group has a beta of 0.92, indicating that its stock price is 8% less volatile than the S&P 500.
Profitability
This table compares TWFG and Legal & General Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| TWFG | 3.04% | 15.96% | 12.76% |
| Legal & General Group | N/A | N/A | N/A |
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| TWFG | $247.08 million | 4.63 | $7.96 million | $0.54 | 39.15 |
| Legal & General Group | $12.16 billion | 1.73 | $780.67 million | N/A | N/A |
Legal & General Group has higher revenue and earnings than TWFG.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for TWFG and Legal & General Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| TWFG | 1 | 3 | 3 | 1 | 2.50 |
| Legal & General Group | 2 | 3 | 0 | 0 | 1.60 |
TWFG presently has a consensus target price of $24.86, indicating a potential upside of 17.58%. Given TWFG’s stronger consensus rating and higher probable upside, equities analysts plainly believe TWFG is more favorable than Legal & General Group.
Institutional and Insider Ownership
0.0% of Legal & General Group shares are held by institutional investors. 68.4% of TWFG 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.
Summary
TWFG beats Legal & General Group on 9 of the 13 factors compared between the two stocks.
About TWFG
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.
About Legal & General Group
Legal & General Group Plc provides various insurance products and services in the United Kingdom, the United States, and internationally. It operates in Legal & General Retirement Institutional (LGRI), Legal & General Investment Management (LGIM), Legal & General Capital (LGC), and Retail segments. The LGRI segment offers annuity contracts with guaranteed income for a specified time; and longevity insurance products. The LGIM segment offers index fund management; active fixed income funds and liquidity funds; active equity management; solution and liability driven investment; multi-asset funds; corporate pension scheme solutions; and real assets. The LGC segment provides investment strategy and implementation, and direct investment and structuring services. The Retail segment offers protection products, such as health, disability, critical illness, and accident; individual term assurance; reinsurance; savings and death benefits; annuities; lifetime mortgages; lifetime care plans; retirement interest only mortgages; and workplace savings scheme that provides corporate pension scheme solutions. It is also involved in the unit trust and institutional fund management, mortgage finance, treasury, building project and modular housing development, general insurance, and open-ended investment businesses. In addition, the company engages in the investment, operation, management, trading, and letting and operation of leased real estate; and construction of commercial buildings, financial intermediation, pension tracing and transfer, insurance agents and brokers, fund general partner, commercial lending, venture capital investing, contractual scheme, investor alternative investment fund, collective asset-management, and investment management activities; and provision of investment advisory, business information consultancy, and technology services. Legal & General Group Plc was founded in 1836 and is headquartered in London, the United Kingdom.
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