BALDWIN INSURANCE GROUP INC/ (BRP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:BRP • US05589G1022

32.66 USD
+0.15 (+0.46%)
At close: May 17, 2024
32.66 USD
0 (0%)
After Hours: 5/17/2024, 8:00:02 PM
Fundamental Rating

3

Taking everything into account, BRP scores 3 out of 10 in our fundamental rating. BRP was compared to 147 industry peers in the Insurance industry. BRP has a bad profitability rating. Also its financial health evaluation is rather negative. BRP is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

2

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.
  • BRP had negative earnings in each of the past 5 years.
  • BRP had a positive operating cash flow in 4 of the past 5 years.
BRP Yearly Net Income VS EBIT VS OCF VS FCFBRP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 20M -20M 40M -40M -60M -80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.55%, BRP is doing worse than 84.17% of the companies in the same industry.
  • With a Return On Equity value of -9.10%, BRP is not doing good in the industry: 79.86% of the companies in the same industry are doing better.
Industry RankSector 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
BRP Yearly ROA, ROE, ROICBRP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 10 -10

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.
  • The Profit Margin and Operating Margin are not available for BRP so they could not be analyzed.
Industry RankSector 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%
BRP Yearly Profit, Operating, Gross MarginsBRP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

More info and screens

2

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.
  • Compared to 1 year ago, BRP has an improved debt to assets ratio.
BRP Yearly Shares OutstandingBRP Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
BRP Yearly Total Debt VS Total AssetsBRP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

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.
  • The Altman-Z score of BRP (1.04) is better than 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.
  • BRP's Debt to FCF ratio of 37.54 is on the low side compared to the rest of the industry. BRP is outperformed by 77.70% of its industry peers.
  • A Debt/Equity ratio of 2.18 is on the high side and indicates that BRP has dependencies on debt financing.
  • BRP has a Debt to Equity ratio of 2.18. This is amonst the worse of the industry: BRP underperforms 94.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 37.54
Altman-Z 1.04
ROIC/WACCN/A
WACC8.39%
BRP Yearly LT Debt VS Equity VS FCFBRP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B

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.
  • With a decent Current ratio value of 0.90, BRP is doing good in the industry, outperforming 78.42% of the companies in the same industry.
  • 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 RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
BRP Yearly Current Assets VS Current LiabilitesBRP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

More info and screens

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 32.63% over the past year.
  • BRP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 34.53% yearly.
  • The Revenue has grown by 18.74% in the past year. This is quite good.
  • Measured over the past years, BRP shows a very strong growth in Revenue. The Revenue has been growing by 72.45% on average per year.
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

  • The Earnings Per Share is expected to grow by 34.54% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 13.02% on average over the next years. This is quite good.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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.
BRP Yearly Revenue VS EstimatesBRP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
BRP Yearly EPS VS EstimatesBRP Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 25.92, BRP can be considered very expensive at the moment.
  • 66.91% of the companies in the same industry are cheaper than BRP, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, BRP is valued at the same level.
  • The Price/Forward Earnings ratio is 15.77, which indicates a correct valuation of BRP.
  • BRP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BRP is more expensive than 64.03% of the companies in the same industry.
  • BRP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.92
Fwd PE 15.77
BRP Price Earnings VS Forward Price EarningsBRP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 66.19% of the companies in the same industry are cheaper than BRP, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BRP indicates a slightly more expensive valuation: BRP is more expensive than 76.98% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 109.92
EV/EBITDA 57.53
BRP Per share dataBRP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

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%

More info and screens

0

5. Dividend

5.1 Amount

  • BRP does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BALDWIN INSURANCE GROUP INC/

NASDAQ:BRP (5/17/2024, 8:00:02 PM)

After market: 32.66 0 (0%)

32.66

+0.15 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07
Earnings (Next)08-07
Inst Owners54.39%
Inst Owner Change-0.17%
Ins Owners13.77%
Ins Owner Change0%
Market Cap3.84B
Revenue(TTM)1.27B
Net Income(TTM)-54.41M
Analysts76.92
Price Target36.55 (11.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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.


Can you provide the valuation status for BALDWIN INSURANCE GROUP INC/?

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.


What is the financial health of BALDWIN INSURANCE GROUP INC/ (BRP) stock?

The financial health rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 2 / 10.


Is the dividend of BALDWIN INSURANCE GROUP INC/ sustainable?

The dividend rating of BALDWIN INSURANCE GROUP INC/ (BRP) is 0 / 10 and the dividend payout ratio is 0%.