28.705 USD
+0.19 (+0.68%)
BWIN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. BWIN has a bad profitability rating. Also its financial health evaluation is rather negative. BWIN is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year BWIN was profitable.
BWIN had a negative operating cash flow in the past year.
BWIN had negative earnings in each of the past 5 years.
In multiple years BWIN reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of BWIN (-0.74%) is worse than 88.51% of its industry peers.
The Return On Equity of BWIN (-4.54%) is worse than 87.84% of its industry peers.
With a Return On Invested Capital value of 2.28%, BWIN perfoms like the industry average, outperforming 50.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.74% | ||
| ROE | -4.54% | ||
| ROIC | 2.28% |
ROA(3y)-1.49%
ROA(5y)N/A
ROE(3y)-9.05%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BWIN's Operating Margin of 5.49% is on the low side compared to the rest of the industry. BWIN is outperformed by 75.68% of its industry peers.
BWIN's Gross Margin of 27.16% is amongst the best of the industry. BWIN outperforms 87.84% of its industry peers.
In the last couple of years the Gross Margin of BWIN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.49% | ||
| PM (TTM) | N/A | ||
| GM | 27.16% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.47%
GM growth 5YN/A
2. Health
2.1 Basic Checks
BWIN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, BWIN has more shares outstanding
Compared to 1 year ago, BWIN has a worse debt to assets ratio.
2.2 Solvency
BWIN has an Altman-Z score of 1.07. This is a bad value and indicates that BWIN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.07, BWIN is in the better half of the industry, outperforming 79.05% of the companies in the same industry.
A Debt/Equity ratio of 2.64 is on the high side and indicates that BWIN has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.64, BWIN is doing worse than 94.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.07 |
ROIC/WACC0.28
WACC8.03%
2.3 Liquidity
A Current Ratio of 1.15 indicates that BWIN should not have too much problems paying its short term obligations.
BWIN has a Current ratio of 1.15. This is amongst the best in the industry. BWIN outperforms 81.76% of its industry peers.
BWIN has a Quick Ratio of 1.15. This is a normal value and indicates that BWIN is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.15, BWIN belongs to the best of the industry, outperforming 81.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
BWIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.44%, which is quite impressive.
Measured over the past years, BWIN shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.83% on average per year.
The Revenue has grown by 10.69% in the past year. This is quite good.
BWIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.78% yearly.
EPS 1Y (TTM)20.44%
EPS 3Y23.83%
EPS 5YN/A
EPS Q2Q%-6.06%
Revenue 1Y (TTM)10.69%
Revenue growth 3Y34.78%
Revenue growth 5YN/A
Sales Q2Q%7.8%
3.2 Future
BWIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.22% yearly.
Based on estimates for the next years, BWIN will show a quite strong growth in Revenue. The Revenue will grow by 14.05% on average per year.
EPS Next Y12.7%
EPS Next 2Y17.37%
EPS Next 3Y18.96%
EPS Next 5Y23.22%
Revenue Next Year9.14%
Revenue Next 2Y10.86%
Revenue Next 3Y12.16%
Revenue Next 5Y14.05%
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
The Price/Earnings ratio is 17.40, which indicates a rather expensive current valuation of BWIN.
63.51% of the companies in the same industry are cheaper than BWIN, based on the Price/Earnings ratio.
BWIN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.89, which indicates a correct valuation of BWIN.
Based on the Price/Forward Earnings ratio, BWIN is valued a bit more expensive than the industry average as 60.14% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, BWIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.4 | ||
| Fwd PE | 13.89 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BWIN is valued a bit more expensive than 69.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 25.08 |
4.3 Compensation for Growth
BWIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as BWIN's earnings are expected to grow with 18.96% in the coming years.
PEG (NY)1.37
PEG (5Y)N/A
EPS Next 2Y17.37%
EPS Next 3Y18.96%
5. Dividend
5.1 Amount
No dividends for BWIN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:BWIN (12/1/2025, 11:10:35 AM)
28.705
+0.19 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners109.7%
Inst Owner ChangeN/A
Ins Owners0.94%
Ins Owner Change-0.61%
Market Cap3.41B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts77.33
Price Target34.3 (19.49%)
Short Float %9.01%
Short Ratio6.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0%
Min EPS beat(2)-1.3%
Max EPS beat(2)1.31%
EPS beat(4)2
Avg EPS beat(4)0.73%
Min EPS beat(4)-1.3%
Max EPS beat(4)4.03%
EPS beat(8)5
Avg EPS beat(8)3.11%
EPS beat(12)7
Avg EPS beat(12)2.13%
EPS beat(16)10
Avg EPS beat(16)2.94%
Revenue beat(2)0
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)-0.93%
Revenue beat(4)0
Avg Revenue beat(4)-1.62%
Min Revenue beat(4)-3.04%
Max Revenue beat(4)-0.93%
Revenue beat(8)0
Avg Revenue beat(8)-1.58%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-18.84%
PT rev (3m)-18.84%
EPS NQ rev (1m)-0.69%
EPS NQ rev (3m)-3.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.23%
Revenue NQ rev (1m)-0.85%
Revenue NQ rev (3m)-1.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.4 | ||
| Fwd PE | 13.89 | ||
| P/S | 2.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.08 |
EPS(TTM)1.65
EY5.75%
EPS(NY)2.07
Fwd EY7.2%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.54
BVpS5.22
TBVpS-16.13
PEG (NY)1.37
PEG (5Y)N/A
Graham Number13.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.74% | ||
| ROE | -4.54% | ||
| ROCE | 2.88% | ||
| ROIC | 2.28% | ||
| ROICexc | 2.35% | ||
| ROICexgc | 30.57% | ||
| OM | 5.49% | ||
| PM (TTM) | N/A | ||
| GM | 27.16% | ||
| FCFM | N/A |
ROA(3y)-1.49%
ROA(5y)N/A
ROE(3y)-9.05%
ROE(5y)N/A
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-4.47%
GM growth 5YN/A
F-Score5
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 8.3 | ||
| Cap/Depr | 36.29% | ||
| Cap/Sales | 2.81% | ||
| Interest Coverage | 0.71 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 1.07 |
F-Score5
WACC8.03%
ROIC/WACC0.28
Cap/Depr(3y)30.38%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.5%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.44%
EPS 3Y23.83%
EPS 5YN/A
EPS Q2Q%-6.06%
EPS Next Y12.7%
EPS Next 2Y17.37%
EPS Next 3Y18.96%
EPS Next 5Y23.22%
Revenue 1Y (TTM)10.69%
Revenue growth 3Y34.78%
Revenue growth 5YN/A
Sales Q2Q%7.8%
Revenue Next Year9.14%
Revenue Next 2Y10.86%
Revenue Next 3Y12.16%
Revenue Next 5Y14.05%
EBIT growth 1Y124.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year140.77%
EBIT Next 3Y50.45%
EBIT Next 5Y36.26%
FCF growth 1Y187.63%
FCF growth 3Y24.41%
FCF growth 5YN/A
OCF growth 1Y128.81%
OCF growth 3Y36.54%
OCF growth 5YN/A
BALDWIN INSURANCE GROUP INC/ / BWIN FAQ
What is the ChartMill fundamental rating of BALDWIN INSURANCE GROUP INC/ (BWIN) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BWIN.
Can you provide the valuation status for BALDWIN INSURANCE GROUP INC/?
ChartMill assigns a valuation rating of 2 / 10 to BALDWIN INSURANCE GROUP INC/ (BWIN). This can be considered as Overvalued.
How profitable is BALDWIN INSURANCE GROUP INC/ (BWIN) stock?
BALDWIN INSURANCE GROUP INC/ (BWIN) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for BWIN stock?
The Earnings per Share (EPS) of BALDWIN INSURANCE GROUP INC/ (BWIN) is expected to grow by 12.7% in the next year.