Primerica (NYSE:PRI) versus Baldwin Insurance Group (NASDAQ:BWIN) Critical Contrast

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Primerica	$3.09 billion	2.78	$470.52 million	$20.24	13.09
Baldwin Insurance Group	$1.44 billion	2.01	-$24.52 million	($0.29)	-84.21

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Primerica	21.48%	32.42%	4.83%
Baldwin Insurance Group	-1.22%	13.24%	3.82%

Volatility & Risk

Primerica has a beta of 0.97, indicating that its stock price is 3% less volatile than the S&P 500. Comparatively, Baldwin Insurance Group has a beta of 1.39, indicating that its stock price is 39% more volatile than the S&P 500.

Insider & Institutional Ownership

90.9% of Primerica shares are owned by institutional investors. Comparatively, 77.5% of Baldwin Insurance Group shares are owned by institutional investors. 0.6% of Primerica shares are owned by company insiders. Comparatively, 18.5% 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 is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for Primerica and Baldwin Insurance Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Primerica	0	4	4	1	2.67
Baldwin Insurance Group	2	4	2	0	2.00

Primerica presently has a consensus target price of $314.86, suggesting a potential upside of 18.89%. Baldwin Insurance Group has a consensus target price of $37.67, suggesting a potential upside of 54.25%. Given Baldwin Insurance Group’s higher probable upside, analysts plainly believe Baldwin Insurance Group is more favorable than Primerica.

Summary

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

About Primerica

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Senior Health segment offers segregated funds; and medicare advantage and supplement plans. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, 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.