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%)
Overall BRP gets a fundamental rating of 3 out of 10. We evaluated BRP against 147 industry peers in the Insurance industry. BRP may be in some trouble as it scores bad on both profitability and health. BRP is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
BRP had positive earnings in the past year.
In the past year BRP had a positive cash flow from operations.
BRP had negative earnings in each of the past 5 years.
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's Return On Equity of -9.10% is on the low side compared to the rest of the industry. BRP is outperformed by 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
The Gross Margin of BRP (25.70%) is better than 89.21% of its industry peers.
BRP's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for BRP so they could not be analyzed.
| 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.
BRP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BRP has been increased compared to 5 years ago.
Compared to 1 year ago, BRP has an improved debt to assets ratio.
2.2 Solvency
BRP has an Altman-Z score of 1.04. This is a bad value and indicates that BRP is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.04, BRP belongs to the top of the industry, outperforming 80.58% of the companies in the same industry.
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.
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.
BRP has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BRP (2.18) is worse than 94.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 37.54 | ||
| Altman-Z | 1.04 |
ROIC/WACCN/A
WACC8.39%
2.3 Liquidity
A Current Ratio of 0.90 indicates that BRP may have some problems paying 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.
Looking at the Quick ratio, with a value of 0.90, BRP is in the better half of 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
BRP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.63%, which is quite impressive.
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%.
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.
Based on estimates for the next years, BRP will show a quite strong growth in Revenue. The Revenue will grow by 13.02% on average per year.
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.
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.
BRP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.77, which indicates a correct valuation of BRP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BRP indicates a slightly more expensive valuation: BRP is more expensive than 64.03% of the companies listed in the same industry.
BRP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 |
4.2 Price Multiples
BRP's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. BRP is more expensive than 66.19% of the companies 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-0.14%
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%