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
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.
Of the past 5 years BRP 4 years had a positive operating cash flow.
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.
The Return On Equity of BRP (-9.10%) is worse than 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
With an excellent Gross Margin value of 25.70%, BRP belongs to the best 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.
Compared to 1 year ago, BRP has more shares outstanding
Compared to 5 years ago, BRP has more shares outstanding
BRP has a better debt/assets ratio than last year.
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.
With an excellent Altman-Z score value of 1.04, BRP belongs to the best 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'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.
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.
BRP has a Quick 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 Quick ratio of 0.90 is fine compared to the rest of the industry. BRP outperforms 78.42% of its industry peers.
| 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
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
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.
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
With a Price/Earnings ratio of 25.92, BRP can be considered very expensive at the moment.
BRP's Price/Earnings ratio is a bit more expensive when compared to the industry. BRP is more expensive than 66.91% of the companies in the same industry.
BRP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 15.77 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.
The average S&P500 Price/Forward Earnings ratio is at 34.59. BRP is valued rather cheaply when compared to this.
| 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 109.92 | ||
| EV/EBITDA | 57.53 |
4.3 Compensation for Growth
The 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
No dividends for BRP!.
| 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 Change2.65%
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 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%.