BWIN Fundamental Analysis - BALDWIN INSURANCE GROUP INC/

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BWIN. BWIN was compared to 143 industry peers in the Insurance industry. Both the profitability and financial health of BWIN have multiple concerns. BWIN is valued quite expensive, but it does show an excellent growth.

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1. Profitability

1.1 Basic Checks

BWIN had positive earnings in the past year.

BWIN had a positive operating cash flow in the past year.

In the past 5 years BWIN always reported negative net income.

In multiple years BWIN reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of BWIN (-0.91%) is worse than 84.62% of its industry peers.

BWIN has a Return On Equity of -5.19%. This is amonst the worse of the industry: BWIN underperforms 87.41% of its industry peers.

With a Return On Invested Capital value of 2.49%, BWIN perfoms like the industry average, outperforming 51.75% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-0.91%
ROE	-5.19%
ROIC	2.49%

ROA(3y)-1.49%

ROA(5y)N/A

ROE(3y)-9.05%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BWIN has a worse Operating Margin (5.79%) than 70.63% of its industry peers.

BWIN has a better Gross Margin (27.30%) than 88.11% of its industry peers.

BWIN's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	5.79%
PM (TTM)	N/A
GM	27.3%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-4.47%

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BWIN is destroying value.

The number of shares outstanding for BWIN has been increased compared to 1 year ago.

Compared to 1 year ago, BWIN has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 1.42, we must say that BWIN is in the distress zone and has some risk of bankruptcy.

BWIN's Altman-Z score of 1.42 is amongst the best of the industry. BWIN outperforms 83.92% of its industry peers.

BWIN has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.

BWIN has a Debt to Equity ratio of 2.41. This is amonst the worse of the industry: BWIN underperforms 90.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.41
Debt/FCF	N/A
Altman-Z	1.42

ROIC/WACC0.29

WACC8.47%

2.3 Liquidity

A Current Ratio of 1.13 indicates that BWIN should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.13, BWIN belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.

BWIN has a Quick Ratio of 1.13. This is a normal value and indicates that BWIN is financially healthy and should not expect problems in meeting its short term obligations.

BWIN has a better Quick ratio (1.13) than 81.82% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.13
Quick Ratio	1.13

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BWIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.19%, which is quite impressive.

The Earnings Per Share has been growing by 23.83% on average over the past years. This is a very strong growth

Looking at the last year, BWIN shows a quite strong growth in Revenue. The Revenue has grown by 13.99% in the last year.

BWIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.78% yearly.

EPS 1Y (TTM)26.19%

EPS 3Y23.83%

EPS 5YN/A

EPS Q2Q%16.07%

Revenue 1Y (TTM)13.99%

Revenue growth 3Y34.78%

Revenue growth 5YN/A

Sales Q2Q%8.69%

3.2 Future

BWIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.85% yearly.

BWIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.05% yearly.

EPS Next Y21.21%

EPS Next 2Y23.85%

EPS Next 3Y23.85%

EPS Next 5YN/A

Revenue Next Year10.99%

Revenue Next 2Y12.51%

Revenue Next 3Y13.68%

Revenue Next 5Y14.05%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 25.56 indicates a quite expensive valuation of BWIN.

Based on the Price/Earnings ratio, BWIN is valued a bit more expensive than the industry average as 71.33% of the companies are valued more cheaply.

BWIN's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.04.

BWIN is valuated rather expensively with a Price/Forward Earnings ratio of 17.66.

BWIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BWIN is more expensive than 67.13% of the companies in the same industry.

BWIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.

		Industry Rank	Sector Rank
PE	25.56
Fwd PE	17.66

4.2 Price Multiples

68.53% of the companies in the same industry are cheaper than BWIN, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	32.06

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as BWIN's earnings are expected to grow with 23.85% in the coming years.

PEG (NY)1.21

PEG (5Y)N/A

EPS Next 2Y23.85%

EPS Next 3Y23.85%

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5. Dividend

5.1 Amount

No dividends for BWIN!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BALDWIN INSURANCE GROUP INC/

NASDAQ:BWIN (7/25/2025, 8:00:01 PM)

After market: 40.64 0 (0%)

40.64

+0.37 (+0.92%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-06 2025-05-06/amc

Earnings (Next)08-05 2025-08-05/amc

Inst Owners104.16%

Inst Owner ChangeN/A

Ins Owners0.99%

Ins Owner Change-3.64%

Market Cap4.82B

Analysts78.75

Price Target48.81 (20.1%)

Short Float %8.54%

Short Ratio8.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.46%

Min EPS beat(2)-1.11%

Max EPS beat(2)4.03%

EPS beat(4)2

Avg EPS beat(4)-0.26%

Min EPS beat(4)-5.25%

Max EPS beat(4)4.03%

EPS beat(8)5

Avg EPS beat(8)3.39%

EPS beat(12)8

Avg EPS beat(12)3.5%

EPS beat(16)10

Avg EPS beat(16)5.73%

Revenue beat(2)0

Avg Revenue beat(2)-2.01%

Min Revenue beat(2)-3.04%

Max Revenue beat(2)-0.97%

Revenue beat(4)0

Avg Revenue beat(4)-2.21%

Min Revenue beat(4)-4.36%

Max Revenue beat(4)-0.45%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)2.45%

PT rev (3m)-2.9%

EPS NQ rev (1m)-0.83%

EPS NQ rev (3m)-3.3%

EPS NY rev (1m)-0.21%

EPS NY rev (3m)-1.49%

Revenue NQ rev (1m)-0.27%

Revenue NQ rev (3m)-1.37%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)-0.25%

Valuation

		Industry Rank	Sector Rank
PE	25.56
Fwd PE	17.66
P/S	3.39
P/FCF	N/A
P/OCF	136.55
P/B	7.77
P/tB	N/A
EV/EBITDA	32.06

EPS(TTM)1.59

EY3.91%

EPS(NY)2.3

Fwd EY5.66%

FCF(TTM)-0.06

FCFYN/A

OCF(TTM)0.3

OCFY0.73%

SpS12

BVpS5.23

TBVpS-14.6

PEG (NY)1.21

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.91%
ROE	-5.19%
ROCE	3.15%
ROIC	2.49%
ROICexc	2.57%
ROICexgc	35.47%
OM	5.79%
PM (TTM)	N/A
GM	27.3%
FCFM	N/A

ROA(3y)-1.49%

ROA(5y)N/A

ROE(3y)-9.05%

ROE(5y)N/A

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

ROICexcg growth 3YN/A

ROICexcg 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-4.47%

GM growth 5YN/A

F-Score6

Asset Turnover0.4

Health

		Industry Rank	Sector Rank
Debt/Equity	2.41
Debt/FCF	N/A
Debt/EBITDA	7.74
Cap/Depr	38.4%
Cap/Sales	2.99%
Interest Coverage	0.85
Cash Conversion	18.25%
Profit Quality	N/A
Current Ratio	1.13
Quick Ratio	1.13
Altman-Z	1.42

F-Score6

WACC8.47%

ROIC/WACC0.29

Cap/Depr(3y)30.38%

Cap/Depr(5y)N/A

Cap/Sales(3y)2.5%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)26.19%

EPS 3Y23.83%

EPS 5YN/A

EPS Q2Q%16.07%

EPS Next Y21.21%

EPS Next 2Y23.85%

EPS Next 3Y23.85%

EPS Next 5YN/A

Revenue 1Y (TTM)13.99%

Revenue growth 3Y34.78%

Revenue growth 5YN/A

Sales Q2Q%8.69%

Revenue Next Year10.99%

Revenue Next 2Y12.51%

Revenue Next 3Y13.68%

Revenue Next 5Y14.05%

EBIT growth 1Y242.53%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year146.77%

EBIT Next 3Y51.88%

EBIT Next 5Y36.26%

FCF growth 1Y187.63%

FCF growth 3Y24.41%

FCF growth 5YN/A

OCF growth 1Y128.81%

OCF growth 3Y36.54%

OCF growth 5YN/A

BALDWIN INSURANCE GROUP INC/ (BWIN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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