Crawford & Company (NYSE:CRD.B) & The Baldwin Insurance Group (NASDAQ:BWIN) Head to Head Review

Crawford & Company (NYSE:CRD.B) and The Baldwin Insurance Group (NASDAQ:BWIN) are both business services companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Crawford & Company	1.55%	22.34%	4.18%
The Baldwin Insurance Group	-2.89%	10.57%	3.10%

Institutional and Insider Ownership

11.0% of Crawford & Company shares are owned by institutional investors. Comparatively, 77.5% of The Baldwin Insurance Group shares are owned by institutional investors. 51.0% of Crawford & Company shares are owned by company insiders. Comparatively, 18.5% of The Baldwin Insurance Group shares are owned by company 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 and Risk

Crawford & Company has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500. Comparatively, The Baldwin Insurance Group has a beta of 1.77, meaning that its share price is 77% more volatile than the S&P 500.

Valuation & Earnings

This table compares Crawford & Company and The 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
Crawford & Company	$1.35 billion	0.40	$30.61 million	$0.60	18.15
The Baldwin Insurance Group	$1.41 billion	3.33	-$90.14 million	($0.52)	-76.54

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

Analyst Recommendations

This is a summary of current ratings for Crawford & Company and The Baldwin Insurance Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Crawford & Company	0	0	0	0	0.00
The Baldwin Insurance Group	1	2	4	1	2.63

The Baldwin Insurance Group has a consensus target price of $45.29, suggesting a potential upside of 13.78%. Given The Baldwin Insurance Group’s stronger consensus rating and higher possible upside, analysts clearly believe The Baldwin Insurance Group is more favorable than Crawford & Company.

Summary

The Baldwin Insurance Group beats Crawford & Company on 8 of the 15 factors compared between the two stocks.

About Crawford & Company

Crawford & Co. engages in the provision of claims management and outsourcing solutions to carriers, brokers, and corporates. It operates through the following segments: Crawford Loss Adjusting, Crawford TPA Solutions, and Crawford Platform Solutions. The Crawford Loss Adjusting segment consists of adjusting services provided to insurance companies and self-insured entities related to property and casualty losses caused by physical damage to commercial and residential real property and certain types of personal property. The Crawford TPA Solutions segment provides third party administration for workers’ compensation, auto and liability, disability absence management, medical management, and accident and health to corporations, brokers, and insurers worldwide. The Crawford Platform Solutions segment is involved in the management of contractor networks and the provision of claims management services to insurance companies and self-insured entities related to property, casualty, and catastrophic losses. The company was founded by Jim Crawford in 1941 and is headquartered in Peachtree Corners, GA.

About The 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.