WTW Stock Analysis: Willis Towers Watson | NASDAQ
Insurance Brokers | NASDAQ, USA | Market Cap: 27.589m USD | 12M Return: -12.3% | IE00BDB6Q211 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 157M
EPS Trend: 94.8%
Qual. Beats: 1
Rev. Trend: 82.2%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Willis Towers Watson Public Limited Company (WTW) is a London-headquartered advisory, broking, and solutions firm operating globally with two reportable segments: Health, Wealth & Career and Risk & Broking. The Health, Wealth & Career segment covers benefits consulting, pension and retirement plan design and administration, and total rewards and talent advisory. The Risk & Broking segment offers insurance brokerage and consulting across property and casualty, aerospace, marine, financial lines, crisis management, and other specialty risk categories, along with risk and capital management software and outsourcing services.
The company is listed on NASDAQ and was formed in its current name in January 2016, though its predecessor Willis Group was founded in 1828. Although classified under the Multi-line Insurance sub-industry within the Financials sector, WTWs revenue model is based on advisory fees, brokerage commissions, and technology solutions rather than underwriting insurance risk directly, distinguishing it from traditional insurance carriers. It serves primarily corporate and institutional clients with complex workforce and risk management needs.
- P&C hard market lifts Risk & Broking commissions and fees
- Pension outsourcing wins expand Health, Wealth & Career margins
- Share repurchases accelerate as free cash flow conversion improves
| Net Income: 1.56b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.55 > 1.0 |
| NWC/Revenue: 14.85% < 20% (prev 17.68%; Δ -2.83% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.92b > Net Income 1.56b |
| Net Debt (6.04b) to EBITDA (2.73b): 2.21 < 3 |
| Current Ratio: 1.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (94.0m) vs 12m ago -6.0% < -2% |
| Gross Margin: 38.41% > 18% (prev 43.56%; Δ -5.15% > 0.5%) |
| Asset Turnover: 34.22% > 50% (prev 34.44%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 8.07 > 6 (EBIT TTM 2.31b / Interest Expense TTM 286.0m) |
| A: 0.05 (Total Current Assets 16.7b - Total Current Liabilities 15.2b) / Total Assets 30.6b |
| B: -0.02 (Retained Earnings -699.0m / Total Assets 30.6b) |
| C: 0.08 (EBIT TTM 2.31b / Avg Total Assets 29.5b) |
| D: 0.34 (Book Value of Equity 7.69b / Total Liabilities 22.8b) |
| Altman-Z'' = 1.13 = BB |
| DSRI: 0.93 (Receivables 2.60b/2.71b, Revenue 10.1b/9.81b) |
| GMI: 1.13 (GM 43.56% / 38.41%) |
| AQI: 1.01 (AQ_t 0.41 / AQ_t-1 0.41) |
| SGI: 1.03 (Revenue 10.1b / 9.81b) |
| TATA: -0.01 (NI 1.56b - CFO 1.92b) / TA 30.6b) |
| Beneish M = -2.94 (Cap -4..+1) = A |
As of October 15, 2026, the stock is trading at USD 297.09 with a total of 528,400 shares traded. Over the past week, the price has changed by +2.21%, over one month by -7.92%, over three months by +3.24% and over the past year by -12.33%.
Current recommended Stop Loss: 289.50 (which is 2.6% or 1.1 ATR below the current price).
Willis Towers Watson has received a consensus analysts rating of 4.24. Therefore, it is recommended to buy WTW.
- StrongBuy: 12
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 370.6 | 24.8% |
P/E Trailing = 18.383
P/E Forward = 13.0548
P/S = 2.7311
P/B = 2.9832
P/EG = 1.08
Revenue TTM = 10.1b USD
EBIT TTM = 2.31b USD
EBITDA TTM = 2.73b USD
Long Term Debt = 5.78b USD (from longTermDebt, last quarter)
Short Term Debt = 866.0m USD (from shortTermDebt, last quarter)
Debt = 7.67b USD (from shortLongTermDebtTotal, last quarter) + Leases 571.0m
Net Debt = 6.04b USD (calculated: Debt 7.67b - CCE 1.63b)
Enterprise Value = 33.6b USD (27.6b + Debt 7.67b - CCE 1.63b)
Interest Coverage Ratio = 8.07 (Ebit TTM 2.31b / Interest Expense TTM 286.0m)
EV/FCF = 19.84x (Enterprise Value 33.6b / FCF TTM 1.70b)
FCF Yield = 5.04% (FCF TTM 1.70b / Enterprise Value 33.6b)
FCF Margin = 16.78% (FCF TTM 1.70b / Revenue TTM 10.1b)
Net Margin = 15.49% (Net Income TTM 1.56b / Revenue TTM 10.1b)
Gross Margin = 38.41% ((Revenue TTM 10.1b - Cost of Revenue TTM 6.22b) / Revenue TTM)
Gross Margin QoQ = 37.10% (prev 24.59%)
Tobins Q-Ratio = 1.10 (Enterprise Value 33.6b / Total Assets 30.6b)
Interest Expense / Debt = 3.73% (Interest Expense 286.0m / Debt 7.67b)
Taxrate = 20.21% (401.0m / 1.98b)
NOPAT = 1.84b (EBIT 2.31b * (1 - 20.21%))
Current Ratio = 1.10 (Total Current Assets 16.7b / Total Current Liabilities 15.2b)
Debt / Equity = 1.00 (Debt 7.67b / totalStockholderEquity, last quarter 7.69b)
Debt / EBITDA = 2.21 (Net Debt 6.04b / EBITDA 2.73b)
Debt / FCF = 3.57 (Net Debt 6.04b / FCF TTM 1.70b)
Total Stockholder Equity = 7.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.30% (Net Income 1.56b / Total Assets 30.6b)
RoE = 19.95% (Net Income TTM 1.56b / Total Stockholder Equity 7.84b)
RoCE = 16.94% (EBIT 2.31b / Capital Employed (Equity 7.84b + L.T.Debt 5.78b))
RoIC = 11.75% (NOPAT 1.84b / Invested Capital 15.7b)
WACC = 4.94% (E(27.6b)/V(35.3b) * Re(5.49%) + D(7.67b)/V(35.3b) * Rd(3.73%) * (1-Tc(0.20)))
Discount Rate = 5.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.61 | Cagr: -4.39%
[DCF] Terminal Value 77.97% ; FCFF base≈1.59b ; Y1≈1.82b ; Y5≈2.68b
[DCF] Fair Price = 368.7 (EV 40.3b - Net Debt 6.04b = Equity 34.2b / Shares 92.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.78 | EPS CAGR: 9.88% | SUE: 1.95 | # QB: 1
Revenue Correlation: 82.24 | Revenue CAGR: 2.05% | SUE: 1.51 | # QB: 1
EPS current Quarter (2026-09-30): EPS=3.59 | Chg30d=-0.50% | Revisions=-40% | Analysts=21
EPS current Year (2026-12-31): EPS=19.82 | Chg30d=-0.19% | Revisions=-50% | GrowthEPS=+16.1% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=22.93 | Chg30d=+0.33% | Revisions=-17% | GrowthEPS=+15.7% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -55% (up=1, down=7)