Baldwin Insurance Group (NASDAQ:BWIN) vs. James River Group (NASDAQ:JRVR) Head-To-Head Review

Baldwin Insurance Group (NASDAQ:BWIN) and James River Group (NASDAQ:JRVR) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, valuation, institutional ownership, profitability and analyst recommendations.

Analyst Ratings

This is a summary of current ratings and target prices for Baldwin Insurance Group and James River Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Baldwin Insurance Group	2	7	3	0	2.08
James River Group	1	6	0	0	1.86

Baldwin Insurance Group currently has a consensus price target of $30.89, suggesting a potential downside of 2.77%. James River Group has a consensus price target of $5.75, suggesting a potential upside of 64.76%. Given James River Group’s higher probable upside, analysts plainly believe James River Group is more favorable than Baldwin Insurance Group.

Insider and Institutional Ownership

77.5% of Baldwin Insurance Group shares are held by institutional investors. Comparatively, 95.2% of James River Group shares are held by institutional investors. 15.8% of Baldwin Insurance Group shares are held by insiders. Comparatively, 34.0% of James River Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Volatility & Risk

Baldwin Insurance Group has a beta of 1, indicating that its share price has a similar volatility profile to the S&P 500.Comparatively, James River Group has a beta of -0.17, indicating that its share price is 117% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Baldwin Insurance Group	-4.67%	12.67%	3.32%
James River Group	4.68%	9.93%	1.07%

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Baldwin Insurance Group	$1.50 billion	2.95	-$33.81 million	($1.04)	-30.55
James River Group	$687.61 million	0.23	$47.43 million	$0.38	9.18

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

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.

About James River Group

James River Group Holdings, Ltd., through its subsidiaries, provides specialty insurance services. It operates through Excess and Surplus Lines, and Specialty Admitted Insurance segments. The Excess and Surplus Lines segment underwrites liability and property insurance in the United States Puerto Rice, and the United States Virgin Islands. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides insurance for fronting, program administrators, managing general agents, and independent retail agents. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda.