BALDWIN INSURANCE GROUP INC/ (BRP) Fundamental Analysis & Valuation

NASDAQ:BRP • US05589G1022

Current stock price

32.66 USD
+0.15 (+0.46%)
At close:
32.66 USD
0 (0%)
After Hours:

This BRP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BRP Profitability Analysis

1.1 Basic Checks

  • In the past year BRP was profitable.
  • In the past year BRP had a positive cash flow from operations.
  • 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.
BRP Yearly Net Income VS EBIT VS OCF VS FCFBRP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 20M -20M 40M -40M -60M -80M

1.2 Ratios

  • BRP's Return On Assets of -1.55% is on the low side compared to the rest of the industry. BRP is outperformed by 84.17% of its industry peers.
  • With a Return On Equity value of -9.10%, BRP is not doing good in the industry: 79.86% of the companies in the same industry are doing better.
Industry RankSector 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
BRP Yearly ROA, ROE, ROICBRP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 10 -10

1.3 Margins

  • BRP has a better Gross Margin (25.70%) than 89.21% of its industry peers.
  • In the last couple of years the Gross Margin of BRP has declined.
  • The Profit Margin and Operating Margin are not available for BRP so they could not be analyzed.
Industry RankSector 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%
BRP Yearly Profit, Operating, Gross MarginsBRP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BRP Health Analysis

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
  • Compared to 1 year ago, BRP has an improved debt to assets ratio.
BRP Yearly Shares OutstandingBRP Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
BRP Yearly Total Debt VS Total AssetsBRP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 1.04, we must say that BRP is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.04, BRP belongs to the top of the industry, outperforming 80.58% of the companies in the same industry.
  • 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 has a worse Debt to FCF ratio (37.54) than 77.70% of its industry peers.
  • A Debt/Equity ratio of 2.18 is on the high side and indicates that BRP has dependencies on debt financing.
  • BRP has a worse Debt to Equity ratio (2.18) than 94.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 37.54
Altman-Z 1.04
ROIC/WACCN/A
WACC8.39%
BRP Yearly LT Debt VS Equity VS FCFBRP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • BRP has a Current 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 Current ratio value of 0.90, BRP is doing good in the industry, outperforming 78.42% of the companies in the same industry.
  • 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.
  • The Quick ratio of BRP (0.90) is better than 78.42% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
BRP Yearly Current Assets VS Current LiabilitesBRP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. BRP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 32.63% over the past year.
  • The Earnings Per Share has been growing by 34.53% on average over the past years. This is a very strong growth
  • BRP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.74%.
  • Measured over the past years, BRP shows a very strong growth in Revenue. The Revenue has been growing by 72.45% on average per year.
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

  • Based on estimates for the next years, BRP will show a very strong growth in Earnings Per Share. The EPS will grow by 34.54% on average per year.
  • Based on estimates for the next years, BRP will show a quite strong growth in Revenue. The Revenue will grow by 13.02% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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.
BRP Yearly Revenue VS EstimatesBRP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
BRP Yearly EPS VS EstimatesBRP Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

3

4. BRP Valuation Analysis

4.1 Price/Earnings Ratio

  • BRP is valuated quite expensively with a Price/Earnings ratio of 25.92.
  • BRP's Price/Earnings ratio is a bit more expensive when compared to the industry. BRP is more expensive than 66.91% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BRP to the average of the S&P500 Index (26.21), we can say BRP is valued inline with the index average.
  • A Price/Forward Earnings ratio of 15.77 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 23.10, BRP is valued a bit cheaper.
Industry RankSector Rank
PE 25.92
Fwd PE 15.77
BRP Price Earnings VS Forward Price EarningsBRP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BRP's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. BRP is 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 RankSector Rank
P/FCF 109.92
EV/EBITDA 57.53
BRP Per share dataBRP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • The 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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BRP Dividend Analysis

5.1 Amount

  • No dividends for BRP!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

BRP Fundamentals: All Metrics, Ratios and Statistics

BALDWIN INSURANCE GROUP INC/

NASDAQ:BRP (5/17/2024, 8:00:02 PM)

After market: 32.66 0 (0%)

32.66

+0.15 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07
Earnings (Next)08-07
Inst Owners54.39%
Inst Owner Change1.22%
Ins Owners13.77%
Ins Owner Change0%
Market Cap3.84B
Revenue(TTM)1.27B
Net Income(TTM)-54.41M
Analysts76.92
Price Target36.55 (11.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BALDWIN INSURANCE GROUP INC/?

ChartMill assigns a fundamental rating of 3 / 10 to BRP.


Can you provide the valuation status for BALDWIN INSURANCE GROUP INC/?

ChartMill assigns a valuation rating of 3 / 10 to BALDWIN INSURANCE GROUP INC/ (BRP). This can be considered as Overvalued.


Can you provide the profitability details for BALDWIN INSURANCE GROUP INC/?

BALDWIN INSURANCE GROUP INC/ (BRP) has a profitability rating of 2 / 10.


Can you provide the financial health for BRP stock?

The financial health rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 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.