Roadzen (NASDAQ:RDZN) & TWFG (NASDAQ:TWFG) Critical Comparison

TWFG (NASDAQ:TWFG) and Roadzen (NASDAQ:RDZN) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, profitability and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
TWFG	N/A	N/A	N/A
Roadzen	-290.14%	-31,166.20%	-262.79%

Earnings & Valuation

This table compares TWFG and Roadzen”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TWFG	$185.45 million	2.33	$26.10 million	N/A	N/A
Roadzen	$46.45 million	3.62	-$99.67 million	($1.92)	-1.28

TWFG has higher revenue and earnings than Roadzen.

Analyst Ratings

This is a summary of recent ratings and price targets for TWFG and Roadzen, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TWFG	0	3	6	0	2.67
Roadzen	0	0	2	0	3.00

TWFG presently has a consensus target price of $31.14, suggesting a potential upside of 6.54%. Roadzen has a consensus target price of $5.00, suggesting a potential upside of 103.25%. Given Roadzen’s stronger consensus rating and higher possible upside, analysts plainly believe Roadzen is more favorable than TWFG.

Institutional & Insider Ownership

24.7% of Roadzen shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

TWFG beats Roadzen on 6 of the 10 factors compared between the two stocks.

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.

About Roadzen

Roadzen, Inc., an insurtech company, provides various insurance products in the United States and internationally. It offers insurance as a service platform, including Via, which enables fleets, carmakers, and insurers to inspect a vehicle using computer vision; Global Distribution Network that enables the configuration, customer quote, payment, and administration of any insurance policy with any insurance carrier as the underwriter; xClaim, which enables digital, touchless, and real-time resolution of claims; StrandD, a digital, real-time dispatch, and tracking for roadside assistance and first notice of loss during accident claims; Good Driving that enables insurers and fleets to recognize drivers, train drivers, and build usage based insurance programs; and Drivebuddy AI, which provides driver-assistance capabilities. The company also provides insurance distribution platform that enables product creation and underwriting, re-insurer backing, and API exchange; and distribution, pre-inspection assistance, telematics, and roadside assistance. In addition, it offers insurance broker services. Roadzen, Inc. was founded in 2015 and is based in Burlingame, California.