Head-To-Head Contrast: TWFG (NASDAQ:TWFG) versus Allianz (OTCMKTS:ALIZY)

Allianz (OTCMKTS:ALIZY) 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 valuation, profitability, dividends, risk, institutional ownership, earnings and analyst recommendations.

Valuation and Earnings

This table compares Allianz and TWFG”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Allianz	$174.99 billion	0.70	$9.24 billion	$2.62	11.87
TWFG	$185.45 million	2.83	$26.10 million	N/A	N/A

Allianz has higher revenue and earnings than TWFG.

Analyst Ratings

This is a breakdown of current ratings and target prices for Allianz and TWFG, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Allianz	0	0	0	1	4.00
TWFG	0	3	6	0	2.67

TWFG has a consensus price target of $30.43, suggesting a potential downside of 14.04%. Given TWFG’s higher probable upside, analysts clearly believe TWFG is more favorable than Allianz.

Profitability

This table compares Allianz and TWFG’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Allianz	5.54%	16.34%	1.01%
TWFG	N/A	N/A	N/A

Institutional & Insider Ownership

0.0% of Allianz shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Allianz beats TWFG on 8 of the 11 factors compared between the two stocks.

About Allianz

Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company’s Property-Casualty segment offers various insurance products, including motor liability and own damage, accident, general liability, fire and property, legal expense, credit, and travel to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products. The company’s Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, and multi-assets; and alternative investment products that include real estate, infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.

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.