(BWIN) The Baldwin Insurance - Ratings and Ratios
Personal, Commercial, Life, Health, Medicare
BWIN EPS (Earnings per Share)
BWIN Revenue
Description: BWIN The Baldwin Insurance
The Baldwin Insurance Group, Inc. (NASDAQ:BWIN) is a US-based independent insurance distribution firm that provides a range of insurance and risk management solutions through three distinct segments: Insurance Advisory Solutions, Underwriting, Capacity & Technology Solutions, and Mainstreet Insurance Solutions. The companys diverse offerings cater to businesses, high-net-worth individuals, and communities, providing private risk management, commercial risk management, employee benefits, and Medicare insurance solutions, among others.
From a business perspective, Baldwin Insurance Groups revenue streams are likely driven by commissions from insurance policy sales, consulting services, and technology-enabled insurance products. Key performance indicators (KPIs) to watch include revenue growth, segment-wise revenue contribution, and customer acquisition costs. The companys ability to leverage its MGA platform and technology-enabled insurance products will be crucial in driving growth and profitability.
To evaluate the companys financial health, we can look at metrics such as debt-to-equity ratio, interest coverage ratio, and operating cash flow margin. Given the negative RoE (-5.38%), it is essential to analyze the companys return on assets (ROA) and the efficiency of its asset utilization. Additionally, the forward P/E ratio of 20.37 suggests that investors have certain growth expectations, which need to be scrutinized in the context of the companys historical performance and industry benchmarks.
From a growth perspective, it is crucial to monitor the companys ability to expand its customer base, increase its market share, and drive innovation through its technology-enabled insurance products. The companys presence in the US insurance market, its competitive positioning, and the overall industry trends will also be essential in determining its growth prospects. Key metrics to track include the companys top-line growth, EBITDA margin, and the effectiveness of its distribution channels.
BWIN Stock Overview
| Market Cap in USD | 2,255m |
| Sub-Industry | Insurance Brokers |
| IPO / Inception | 2019-10-24 |
BWIN Stock Ratings
| Growth Rating | -17.8% |
| Fundamental | 51.4% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -45.9% |
| Analyst Rating | 3.75 of 5 |
BWIN Dividends
Currently no dividends paidBWIN Growth Ratios
| Growth Correlation 3m | -87.5% |
| Growth Correlation 12m | -73.3% |
| Growth Correlation 5y | 38.2% |
| CAGR 5y | 3.59% |
| CAGR/Max DD 3y | 0.08 |
| CAGR/Mean DD 3y | 0.18 |
| Sharpe Ratio 12m | 0.22 |
| Alpha | 0.04 |
| Beta | 0.703 |
| Volatility | 44.32% |
| Current Volume | 916.9k |
| Average Volume 20d | 726.3k |
| Stop Loss | 29.8 (-5.3%) |
| Signal | -0.49 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-17.8m TTM) > 0 and > 6% of Revenue (6% = 86.5m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 16.10% (prev -1.45%; Δ 17.55pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.02 (>3.0%) and CFO -62.2m <= Net Income -17.8m (YES >=105%, WARN >=100%) |
| Net Debt (1.60b) to EBITDA (188.4m) ratio: 8.49 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (68.0m) change vs 12m ago 7.74% (target <= -2.0% for YES) |
| Gross Margin 26.61% (prev 18.90%; Δ 7.71pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 38.88% (prev 35.63%; Δ 3.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.45 (EBITDA TTM 188.4m / Interest Expense TTM 31.3m) >= 6 (WARN >= 3) |
Altman Z'' 0.29
| (A) 0.06 = (Total Current Assets 1.24b - Total Current Liabilities 1.01b) / Total Assets 3.74b |
| (B) -0.05 = Retained Earnings (Balance) -200.6m / Total Assets 3.74b |
| (C) 0.02 = EBIT TTM 76.8m / Avg Total Assets 3.71b |
| (D) -0.07 = Book Value of Equity -199.9m / Total Liabilities 2.69b |
| Total Rating: 0.29 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.43
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 1.61% = 0.81 |
| 3. FCF Margin 4.24% = 1.06 |
| 4. Debt/Equity 2.60 = -0.16 |
| 5. Debt/Ebitda 8.71 = -2.50 |
| 6. ROIC - WACC (= -2.85)% = -3.57 |
| 7. RoE -2.93% = -0.49 |
| 8. Rev. Trend 79.94% = 6.00 |
| 9. EPS Trend 65.64% = 3.28 |
What is the price of BWIN shares?
Over the past week, the price has changed by +3.65%, over one month by -3.70%, over three months by -17.01% and over the past year by -35.83%.
Is The Baldwin Insurance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BWIN is around 25.41 USD . This means that BWIN is currently overvalued and has a potential downside of -19.28%.
Is BWIN a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 2
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the BWIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41.4 | 31.4% |
| Analysts Target Price | 41.4 | 31.4% |
| ValueRay Target Price | 27.6 | -12.3% |
Last update: 2025-09-04 04:33
BWIN Fundamental Data Overview
CCE Cash And Equivalents = 105.7m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 14.9925
P/S = 1.5434
P/B = 3.5748
Beta = 1.66
Revenue TTM = 1.44b USD
EBIT TTM = 76.8m USD
EBITDA TTM = 188.4m USD
Long Term Debt = 1.61b USD (from longTermDebt, last quarter)
Short Term Debt = 33.4m USD (from shortTermDebt, last quarter)
Debt = 1.64b USD (Calculated: Short Term 33.4m + Long Term 1.61b)
Net Debt = 1.60b USD (from netDebt column, last quarter)
Enterprise Value = 3.79b USD (2.25b + Debt 1.64b - CCE 105.7m)
Interest Coverage Ratio = 2.45 (Ebit TTM 76.8m / Interest Expense TTM 31.3m)
FCF Yield = 1.61% (FCF TTM 61.1m / Enterprise Value 3.79b)
FCF Margin = 4.24% (FCF TTM 61.1m / Revenue TTM 1.44b)
Net Margin = -1.23% (Net Income TTM -17.8m / Revenue TTM 1.44b)
Gross Margin = 26.61% ((Revenue TTM 1.44b - Cost of Revenue TTM 1.06b) / Revenue TTM)
Tobins Q-Ratio = -18.95 (set to none) (Enterprise Value 3.79b / Book Value Of Equity -199.9m)
Interest Expense / Debt = 1.91% (Interest Expense 31.3m / Debt 1.64b)
Taxrate = 21.0% (US default)
NOPAT = 60.7m (EBIT 76.8m * (1 - 21.00%))
Current Ratio = 1.23 (Total Current Assets 1.24b / Total Current Liabilities 1.01b)
Debt / Equity = 2.60 (Debt 1.64b / last Quarter total Stockholder Equity 630.8m)
Debt / EBITDA = 8.71 (Net Debt 1.60b / EBITDA 188.4m)
Debt / FCF = 26.84 (Debt 1.64b / FCF TTM 61.1m)
Total Stockholder Equity = 607.3m (last 4 quarters mean)
RoA = -0.48% (Net Income -17.8m, Total Assets 3.74b )
RoE = -2.93% (Net Income TTM -17.8m / Total Stockholder Equity 607.3m)
RoCE = 3.47% (Ebit 76.8m / (Equity 607.3m + L.T.Debt 1.61b))
RoIC = 2.77% (NOPAT 60.7m / Invested Capital 2.19b)
WACC = 5.62% (E(2.25b)/V(3.90b) * Re(8.61%)) + (D(1.64b)/V(3.90b) * Rd(1.91%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 87.88 | Cagr: 1.57%
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.93% ; FCFE base≈61.2m ; Y1≈40.2m ; Y5≈18.4m
Fair Price DCF = 4.61 (DCF Value 328.6m / Shares Outstanding 71.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 65.64 | EPS CAGR: 47.97% | SUE: 0.02 | # QB: 0
Revenue Correlation: 79.94 | Revenue CAGR: 14.27% | SUE: N/A | # QB: None
Additional Sources for BWIN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle