BALDWIN INSURANCE GROUP INC/ (BRP) Stock Fundamental Analysis
USA - NASDAQ:BRP - US05589G1022 - Common Stock
32.66 USD
+0.15 (+0.46%)
32.66 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BRP. BRP was compared to 147 industry peers in the Insurance industry. BRP has a bad profitability rating. Also its financial health evaluation is rather negative. BRP is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year BRP was profitable.
BRP had a positive operating cash flow in the past year.
In the past 5 years BRP always reported negative net income.
BRP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -1.55%, BRP is not doing good in the industry: 84.17% of the companies in the same industry are doing better.
BRP's Return On Equity of -9.10% is on the low side compared to the rest of the industry. BRP is outperformed by 79.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.55% | ||
| ROE | -9.1% | ||
| ROIC | N/A |
ROA(3y)-1.62%
ROA(5y)-1.61%
ROE(3y)-9.33%
ROE(5y)-8.83%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Gross Margin of BRP (25.70%) is better than 89.21% of its industry peers.
BRP's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for BRP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 25.7% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.12%
GM growth 5Y-6.51%
2. Health
2.1 Basic Checks
BRP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BRP has more shares outstanding
The number of shares outstanding for BRP has been increased compared to 5 years ago.
Compared to 1 year ago, BRP has an improved debt to assets ratio.
2.2 Solvency
BRP has an Altman-Z score of 1.04. This is a bad value and indicates that BRP is not financially healthy and even has some risk of bankruptcy.
BRP's Altman-Z score of 1.04 is amongst the best of the industry. BRP outperforms 80.58% of its industry peers.
The Debt to FCF ratio of BRP is 37.54, which is on the high side as it means it would take BRP, 37.54 years of fcf income to pay off all of its debts.
BRP's Debt to FCF ratio of 37.54 is on the low side compared to the rest of the industry. BRP is outperformed by 77.70% of its industry peers.
BRP has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.18, BRP is not doing good in the industry: 94.24% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 37.54 | ||
| Altman-Z | 1.04 |
ROIC/WACCN/A
WACC8.39%
2.3 Liquidity
A Current Ratio of 0.90 indicates that BRP may have some problems paying its short term obligations.
The Current ratio of BRP (0.90) is better than 78.42% of its industry peers.
BRP has a Quick Ratio of 0.90. This is a bad value and indicates that BRP is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.90, BRP is doing good in the industry, outperforming 78.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.9 | ||
| Quick Ratio | 0.9 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 32.63% over the past year.
Measured over the past years, BRP shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.53% on average per year.
The Revenue has grown by 18.74% in the past year. This is quite good.
BRP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 72.45% yearly.
EPS 1Y (TTM)32.63%
EPS 3Y34.53%
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)18.74%
Revenue growth 3Y71.66%
Revenue growth 5Y72.45%
Sales Q2Q%-64.24%
3.2 Future
BRP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.54% yearly.
BRP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.02% yearly.
EPS Next Y41.48%
EPS Next 2Y35.98%
EPS Next 3Y34.54%
EPS Next 5YN/A
Revenue Next Year14.18%
Revenue Next 2Y13.87%
Revenue Next 3Y14.98%
Revenue Next 5Y13.02%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.92 indicates a quite expensive valuation of BRP.
Compared to the rest of the industry, the Price/Earnings ratio of BRP indicates a slightly more expensive valuation: BRP is more expensive than 66.91% of the companies listed in the same industry.
BRP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.77, which indicates a correct valuation of BRP.
64.03% of the companies in the same industry are cheaper than BRP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, BRP is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BRP is valued a bit more expensive than 66.19% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, BRP is valued a bit more expensive than the industry average as 76.98% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 109.92 | ||
| EV/EBITDA | 57.53 |
4.3 Compensation for Growth
BRP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BRP's earnings are expected to grow with 34.54% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y35.98%
EPS Next 3Y34.54%
5. Dividend
5.1 Amount
BRP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
32.66
+0.15 (+0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.39%
Inst Owner Change0.62%
Ins Owners13.77%
Ins Owner Change0%
Market Cap3.84B
Revenue(TTM)1.27B
Net Income(TTM)-54405000
Analysts76.92
Price Target36.55 (11.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.06%
Min EPS beat(2)6.06%
Max EPS beat(2)22.06%
EPS beat(4)3
Avg EPS beat(4)8.1%
Min EPS beat(4)-0.44%
Max EPS beat(4)22.06%
EPS beat(8)6
Avg EPS beat(8)6.42%
EPS beat(12)8
Avg EPS beat(12)8.79%
EPS beat(16)11
Avg EPS beat(16)7.48%
Revenue beat(2)1
Avg Revenue beat(2)-34.24%
Min Revenue beat(2)-68.86%
Max Revenue beat(2)0.38%
Revenue beat(4)2
Avg Revenue beat(4)-16.86%
Min Revenue beat(4)-68.86%
Max Revenue beat(4)1.82%
Revenue beat(8)6
Avg Revenue beat(8)-5.36%
Revenue beat(12)10
Avg Revenue beat(12)-0.96%
Revenue beat(16)12
Avg Revenue beat(16)-0.47%
PT rev (1m)2.38%
PT rev (3m)18.88%
EPS NQ rev (1m)-3.18%
EPS NQ rev (3m)-6.81%
EPS NY rev (1m)1.48%
EPS NY rev (3m)-0.82%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-1.25%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)-0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 | ||
| P/S | 3.03 | ||
| P/FCF | 109.92 | ||
| P/OCF | 62.36 | ||
| P/B | 6.42 | ||
| P/tB | N/A | ||
| EV/EBITDA | 57.53 |
EPS(TTM)1.26
EY3.86%
EPS(NY)2.07
Fwd EY6.34%
FCF(TTM)0.3
FCFY0.91%
OCF(TTM)0.52
OCFY1.6%
SpS10.79
BVpS5.09
TBVpS-15.44
PEG (NY)0.62
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.55% | ||
| ROE | -9.1% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 25.7% | ||
| FCFM | 2.75% |
ROA(3y)-1.62%
ROA(5y)-1.61%
ROE(3y)-9.33%
ROE(5y)-8.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.12%
GM growth 5Y-6.51%
F-Score6
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 37.54 | ||
| Debt/EBITDA | 14.86 | ||
| Cap/Depr | 26.79% | ||
| Cap/Sales | 2.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 70.31% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.9 | ||
| Quick Ratio | 0.9 | ||
| Altman-Z | 1.04 |
F-Score6
WACC8.39%
ROIC/WACCN/A
Cap/Depr(3y)23.26%
Cap/Depr(5y)25.76%
Cap/Sales(3y)2.01%
Cap/Sales(5y)2.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.63%
EPS 3Y34.53%
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y41.48%
EPS Next 2Y35.98%
EPS Next 3Y34.54%
EPS Next 5YN/A
Revenue 1Y (TTM)18.74%
Revenue growth 3Y71.66%
Revenue growth 5Y72.45%
Sales Q2Q%-64.24%
Revenue Next Year14.18%
Revenue Next 2Y13.87%
Revenue Next 3Y14.98%
Revenue Next 5Y13.02%
EBIT growth 1Y81.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year500.27%
EBIT Next 3Y110.27%
EBIT Next 5Y72.93%
FCF growth 1Y49.33%
FCF growth 3Y-10.5%
FCF growth 5Y37.14%
OCF growth 1Y84.28%
OCF growth 3Y6.63%
OCF growth 5Y30.51%
BALDWIN INSURANCE GROUP INC/ / BRP FAQ
Can you provide the ChartMill fundamental rating for BALDWIN INSURANCE GROUP INC/?
ChartMill assigns a fundamental rating of 3 / 10 to BRP.
What is the valuation status for BRP stock?
ChartMill assigns a valuation rating of 3 / 10 to BALDWIN INSURANCE GROUP INC/ (BRP). This can be considered as Overvalued.
How profitable is BALDWIN INSURANCE GROUP INC/ (BRP) stock?
BALDWIN INSURANCE GROUP INC/ (BRP) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for BRP stock?
The Earnings per Share (EPS) of BALDWIN INSURANCE GROUP INC/ (BRP) is expected to grow by 41.48% in the next year.
How sustainable is the dividend of BALDWIN INSURANCE GROUP INC/ (BRP) stock?
The dividend rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 0 / 10 and the dividend payout ratio is 0%.