32.66 USD
+0.15 (+0.46%)
32.66 USD
0 (0%)
BRP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. BRP has a bad profitability rating. Also its financial health evaluation is rather negative. BRP is valued quite expensive, but it does show an excellent growth.
1. Profitability
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.
- Of the past 5 years BRP 4 years had a positive operating cash flow.
1.2 Ratios
- BRP has a worse Return On Assets (-1.55%) than 84.17% of its industry peers.
- Looking at the Return On Equity, with a value of -9.10%, BRP is doing worse than 79.86% of the companies in the same industry.
| 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
- 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.
- BRP does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| 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 debt/assets ratio for BRP has been reduced compared to a year ago.
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.
- BRP has a better Altman-Z score (1.04) than 80.58% of its industry peers.
- BRP has a debt to FCF ratio of 37.54. This is a negative value and a sign of low solvency as BRP would need 37.54 years to pay back of all of its debts.
- BRP has a Debt to FCF ratio of 37.54. This is in the lower half of the industry: BRP underperforms 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.
- Looking at the Debt to Equity ratio, with a value of 2.18, BRP is doing worse than 94.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 37.54 | ||
| Altman-Z | 1.04 |
ROIC/WACCN/A
WACC8.39%
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.
- BRP's Current ratio of 0.90 is fine compared to the rest of the industry. BRP outperforms 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.
- BRP's Quick ratio of 0.90 is fine compared to the rest of the industry. BRP outperforms 78.42% of its industry peers.
| 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.
- 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
- The Earnings Per Share is expected to grow by 34.54% on average over the next years. This is a very strong growth
- 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.
- 66.91% of the companies in the same industry are cheaper than BRP, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, BRP is valued at the same level.
- Based on the Price/Forward Earnings ratio of 15.77, the valuation of BRP can be described as correct.
- 64.03% of the companies in the same industry are cheaper than BRP, based on the Price/Forward Earnings ratio.
- BRP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 |
4.2 Price Multiples
- 66.19% of the companies in the same industry are cheaper than BRP, based on the Enterprise Value to EBITDA ratio.
- 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
- 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%
5. Dividend
5.1 Amount
- No dividends for BRP!.
| 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)05-07 2024-05-07/amc
Earnings (Next)08-07 2024-08-07/amc
Inst Owners54.39%
Inst Owner Change0.37%
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 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.
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.
How profitable is BALDWIN INSURANCE GROUP INC/ (BRP) stock?
BALDWIN INSURANCE GROUP INC/ (BRP) has a profitability rating of 2 / 10.
What is the financial health of BALDWIN INSURANCE GROUP INC/ (BRP) stock?
The financial health rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 2 / 10.
Is the dividend of BALDWIN INSURANCE GROUP INC/ sustainable?
The dividend rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 0 / 10 and the dividend payout ratio is 0%.