Financial Review: Aflac (NYSE:AFL) vs. Baldwin Insurance Group (NASDAQ:BWIN)

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Aflac	$17.16 billion	3.60	$3.65 billion	$9.33	13.20
Baldwin Insurance Group	$1.50 billion	2.96	-$33.81 million	($1.04)	-30.66

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.

Insider & Institutional Ownership

67.4% of Aflac shares are owned by institutional investors. Comparatively, 77.5% of Baldwin Insurance Group shares are owned by institutional investors. 0.8% of Aflac shares are owned by company insiders. Comparatively, 15.8% of Baldwin Insurance Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Volatility and Risk

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

Profitability

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

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

Analyst Ratings

This is a summary of recent ratings and price targets for Aflac and Baldwin Insurance Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Aflac	4	8	4	0	2.00
Baldwin Insurance Group	2	9	1	0	1.92

Aflac presently has a consensus target price of $117.20, suggesting a potential downside of 4.86%. Baldwin Insurance Group has a consensus target price of $31.20, suggesting a potential downside of 2.16%. Given Baldwin Insurance Group’s higher possible upside, analysts clearly believe Baldwin Insurance Group is more favorable than Aflac.

Summary

Aflac beats Baldwin Insurance Group on 9 of the 14 factors compared between the two stocks.

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.

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.