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
BRP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. BRP may be in some trouble as it scores bad on both profitability and health. BRP shows excellent growth, but is valued quite expensive already.
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
- With a Return On Assets value of -1.55%, BRP is not doing good in the industry: 84.17% of the companies in the same industry are doing better.
- 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 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
- The debt/assets ratio for BRP has been reduced compared to a year ago.
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.
- 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.
- With a Debt to FCF ratio value of 37.54, BRP is not doing good in the industry: 77.70% of the companies in the same industry are doing better.
- BRP has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
- BRP has a worse Debt to Equity ratio (2.18) 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
- 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 has a better Current ratio (0.90) than 78.42% of its industry peers.
- A Quick Ratio of 0.90 indicates that BRP may have some problems paying its short term obligations.
- BRP has a better Quick ratio (0.90) than 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
- BRP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.74%.
- BRP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 72.45% yearly.
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.
- 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
- BRP is valuated quite expensively with a Price/Earnings ratio of 25.92.
- Compared to the rest of the industry, the Price/Earnings ratio of BRP indicates a slightly more expensive valuation: BRP is more expensive than 66.91% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. BRP is around the same levels.
- Based on the Price/Forward Earnings ratio of 15.77, the valuation of BRP can be described as correct.
- Based on the Price/Forward Earnings ratio, BRP is valued a bit more expensive than 64.03% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of BRP to the average of the S&P500 Index (25.57), we can say BRP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 15.77 |
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.
- Based on the Price/Free Cash Flow ratio, BRP is valued a bit more expensive than 76.98% of the companies in the same industry.
| 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.
- A more expensive valuation may be justified as BRP's earnings are expected to grow with 34.54% in the coming years.
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 |
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%.