Baldwin Insurance Group, Inc. (BWIN) vs TWFG, Inc. (TWFG)
Baldwin Insurance Group, Inc. and TWFG, Inc. are both Insurance Brokers companies. Baldwin Insurance Group, Inc. is the larger, with a market value of $4.5B against $1.3B — 3.5× the size. Baldwin Insurance Group, Inc. has negative trailing earnings, so its P/E is not meaningful; TWFG, Inc. trades at 40.9×. TWFG, Inc. grew revenue faster over the last twelve months: 34.7% against 19.0%. TWFG, Inc. has the higher net margin (2.98% vs −4.67%) and the higher return on invested capital (19.3% vs −2.29%). Across the 18 metrics below, TWFG, Inc. leads on 16 and Baldwin Insurance Group, Inc. on 2.
Valuation
Profitability
| Metric | BWIN | TWFG | Insurance Brokers median |
|---|---|---|---|
| Gross margin | 30.33% | 50.10% | 42.95% |
| Operating margin | (6.88%) | 18.26% | 15.37% |
| Net margin | (4.67%) | 2.98% | 8.77% |
| Free cash flow margin | 2.52% | (2.78%) | 3.89% |
| Return on equity | (6.58%) | 3.24% | 0.00% |
| Return on assets | (1.64%) | 2.51% | 2.23% |
| Return on invested capital | (2.29%) | 19.32% | 5.27% |
Growth
Health
Dividend
Size
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