BALDWIN INSURANCE GROUP INC/ (BRP) Stock Fundamental Analysis
USA - NASDAQ:BRP - US05589G1022 - Common Stock
32.66 USD
+0.15 (+0.46%)
32.66 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BRP. BRP was compared to 146 industry peers in the Insurance industry. BRP has a bad profitability rating. Also its financial health evaluation is rather negative. BRP shows excellent growth, but is valued quite expensive already.
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'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.
BRP has a Return On Equity of -9.10%. This is in the lower half of the industry: BRP underperforms 79.86% of its industry peers.
| 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
Looking at the Gross Margin, with a value of 25.70%, BRP belongs to the top of the industry, outperforming 89.21% of the companies in the same industry.
BRP's Gross Margin has declined in the last couple of years.
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.
The number of shares outstanding for BRP has been increased compared to 1 year ago.
Compared to 5 years ago, BRP has more shares outstanding
Compared to 1 year ago, BRP has an improved debt to assets ratio.
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's Altman-Z score of 1.04 is amongst the best of the industry. BRP outperforms 80.58% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 37.54, BRP is doing worse than 77.70% of the companies in the same industry.
BRP has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.18, BRP is not doing good in the industry: 94.24% of the companies in the same industry are doing better.
| 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.
A Quick Ratio of 0.90 indicates that BRP may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.90, BRP is doing good in the industry, outperforming 78.42% of the companies in the same industry.
| 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.
Measured over the past years, BRP shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.53% on average per year.
Looking at the last year, BRP shows a quite strong growth in Revenue. The Revenue has grown by 18.74% in the last year.
The Revenue has been growing by 72.45% on average over the past years. This is a very strong growth!
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
BRP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.54% yearly.
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
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 25.92, which means the current valuation is very expensive for BRP.
66.91% of the companies in the same industry are cheaper than BRP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.67. BRP is around the same levels.
The Price/Forward Earnings ratio is 15.77, which 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.
BRP is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BRP indicates a slightly more expensive valuation: BRP is more expensive than 66.19% of the companies listed 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 109.92 | ||
| EV/EBITDA | 57.53 |
4.3 Compensation for Growth
BRP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BRP's earnings are expected to grow with 34.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y35.98%
EPS Next 3Y34.54%
5. Dividend
5.1 Amount
BRP does not give a dividend.
| 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)
Earnings (Next)
Inst Owners54.39%
Inst Owner Change-1.05%
Ins Owners13.77%
Ins Owner Change0%
Market Cap3.84B
Revenue(TTM)1.27B
Net Income(TTM)-54405000
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.
What is the valuation status for BRP stock?
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.
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.
How sustainable is the dividend of BALDWIN INSURANCE GROUP INC/ (BRP) stock?
The dividend rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 0 / 10 and the dividend payout ratio is 0%.