Comparing Tian Ruixiang (NASDAQ:TIRX) & TWFG (NASDAQ:TWFG)

Tian Ruixiang (NASDAQ:TIRX) and TWFG (NASDAQ:TWFG) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, risk, earnings, analyst recommendations, dividends and valuation.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Tian Ruixiang and TWFG, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tian Ruixiang	0	0	0	0	0.00
TWFG	0	4	5	0	2.56

TWFG has a consensus target price of $31.86, suggesting a potential upside of 8.25%. Given TWFG’s stronger consensus rating and higher possible upside, analysts plainly believe TWFG is more favorable than Tian Ruixiang.

Institutional and Insider Ownership

10.7% of Tian Ruixiang shares are held by institutional investors. 39.6% of Tian Ruixiang shares are held by 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 Tian Ruixiang and TWFG’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tian Ruixiang	N/A	N/A	N/A
TWFG	N/A	N/A	N/A

Earnings & Valuation

This table compares Tian Ruixiang and TWFG”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$1.24 million	1.03	-$2.45 million	N/A	N/A
TWFG	$172.93 million	2.52	$26.10 million	N/A	N/A

TWFG has higher revenue and earnings than Tian Ruixiang.

Summary

TWFG beats Tian Ruixiang on 6 of the 8 factors compared between the two stocks.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, 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.