Contrasting The Baldwin Insurance Group (NASDAQ:BRP) & Roadzen (NASDAQ:RDZN)

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for The Baldwin Insurance Group and Roadzen, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
The Baldwin Insurance Group	0	1	4	1	3.00
Roadzen	0	0	1	0	3.00

The Baldwin Insurance Group currently has a consensus target price of $34.00, indicating a potential downside of 21.31%. Roadzen has a consensus target price of $10.00, indicating a potential upside of 549.35%. Given Roadzen’s higher probable upside, analysts plainly believe Roadzen is more favorable than The Baldwin Insurance Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
The Baldwin Insurance Group	-4.29%	9.21%	2.82%
Roadzen	N/A	N/A	N/A

Valuation and Earnings

This table compares The Baldwin Insurance Group and Roadzen’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
The Baldwin Insurance Group	$1.27 billion	4.00	-$90.14 million	($0.92)	-46.97
Roadzen	$46.72 million	2.26	-$99.67 million	N/A	N/A

The Baldwin Insurance Group has higher revenue and earnings than Roadzen.

Volatility & Risk

The Baldwin Insurance Group has a beta of 1.54, suggesting that its share price is 54% more volatile than the S&P 500. Comparatively, Roadzen has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500.

Insider and Institutional Ownership

70.4% of The Baldwin Insurance Group shares are held by institutional investors. Comparatively, 24.7% of Roadzen shares are held by institutional investors. 22.7% of The Baldwin Insurance Group shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

The Baldwin Insurance Group beats Roadzen on 10 of the 12 factors compared between the two stocks.

About The Baldwin Insurance Group

BRP 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. BRP Group, Inc. was founded in 2011 and is headquartered in Tampa, Florida.

About Roadzen

Roadzen, Inc., an insurtech company, provides various insurance products in the United States and internationally. It offers insurance as a service platform, including Via, which enables fleets, carmakers, and insurers to inspect a vehicle using computer vision; Global Distribution Network that enables the configuration, customer quote, payment, and administration of any insurance policy with any insurance carrier as the underwriter; xClaim, which enables digital, touchless, and real-time resolution of claims; StrandD, a digital, real-time dispatch, and tracking for roadside assistance and first notice of loss during accident claims; Good Driving that enables insurers and fleets to recognize drivers, train drivers, and build usage based insurance programs; and Drivebuddy AI, which provides driver-assistance capabilities. The company also provides insurance distribution platform that enables product creation and underwriting, re-insurer backing, and API exchange; and distribution, pre-inspection assistance, telematics, and roadside assistance. In addition, it offers insurance broker services. Roadzen, Inc. was founded in 2015 and is based in Burlingame, California.