Head to Head Survey: Ping An Insurance Co. of China (OTCMKTS:PNGAY) & TWFG (NASDAQ:TWFG)

Ping An Insurance Co. of China (OTCMKTS:PNGAY) and TWFG (NASDAQ:TWFG) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends and earnings.

Institutional and Insider Ownership

0.0% of Ping An Insurance Co. of China shares are owned by institutional investors. 0.1% of Ping An Insurance Co. of China shares are owned by company insiders. Comparatively, 66.5% of TWFG 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.

Profitability

This table compares Ping An Insurance Co. of China and TWFG’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ping An Insurance Co. of China	11.89%	10.48%	1.05%
TWFG	2.87%	8.74%	7.27%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Ping An Insurance Co. of China and TWFG, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ping An Insurance Co. of China	0	1	0	0	2.00
TWFG	1	3	4	0	2.38

TWFG has a consensus target price of $32.86, suggesting a potential upside of 17.26%. Given TWFG’s stronger consensus rating and higher possible upside, analysts clearly believe TWFG is more favorable than Ping An Insurance Co. of China.

Valuation & Earnings

This table compares Ping An Insurance Co. of China and TWFG”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ping An Insurance Co. of China	$158.77 billion	1.05	$17.61 billion	$2.13	8.53
TWFG	$217.89 million	7.23	$2.74 million	$0.44	63.68

Ping An Insurance Co. of China has higher revenue and earnings than TWFG. Ping An Insurance Co. of China is trading at a lower price-to-earnings ratio than TWFG, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Ping An Insurance Co. of China has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500. Comparatively, TWFG has a beta of 0.11, suggesting that its stock price is 89% less volatile than the S&P 500.

About Ping An Insurance Co. of China

Ping An Insurance (Group) Company of China, Ltd. provides financial products and services for insurance, banking, asset management, and technology businesses in the People's Republic of China. The company operates through Life and Health Insurance; Property and Casualty Insurance; Banking; Asset Management; and Technology segments. Its Life and Health Insurance segment offers term, whole-life, endowment, annuity, investment-linked, universal life, and health care and medical insurance to individual and corporate customers. The company's Property and Casualty Insurance segment provides auto, non-auto, and accident and health insurance to individual and corporate customers. Its Banking segment undertakes loan and intermediary businesses with corporate and retail customers; and offers wealth management and credit card services to individual customers. The company's Asset Management segment provides trust products services, brokerage services, trading services, investment banking services, investment management, finance lease, and other asset management services. Its Technology segment offers financial and daily-life services through internet platforms, such as financial transaction information service, and health care service platforms. The company also provides annuity insurance, IT and business process outsourcing, real estate investment and management, futures brokerage, project investment, currency brokerage, property agency, fund raising and distribution, real estate development and leasing, and insurance agency services. In addition, it provides factoring, equity investment, logistics and warehousing, management consulting, e-commerce, and credit information services; and operates an expressway, as well as produces and sells consumer chemicals. The company was incorporated in 1988 and is based in Shenzhen, China.

About TWFG

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.