BALDWIN INSURANCE GROUP INC/ (BWIN) Fundamental Analysis & Valuation

NASDAQ:BWIN • US05589G1022

Current stock price

22.09 USD
-0.05 (-0.23%)
At close:
22.35 USD
+0.26 (+1.18%)
Pre-Market:

This BWIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BWIN Profitability Analysis

1.1 Basic Checks

  • In the past year BWIN was profitable.
  • BWIN had a negative operating cash flow in the past year.
  • In the past 5 years BWIN always reported negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: BWIN reported negative operating cash flow in multiple years.
BWIN Yearly Net Income VS EBIT VS OCF VS FCFBWIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 50M -50M

1.2 Ratios

  • BWIN's Return On Assets of -0.88% is on the low side compared to the rest of the industry. BWIN is outperformed by 84.46% of its industry peers.
  • BWIN has a worse Return On Equity (-5.63%) than 84.46% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.06%, BWIN is in line with its industry, outperforming 45.27% of the companies in the same industry.
Industry RankSector Rank
ROA -0.88%
ROE -5.63%
ROIC 2.06%
ROA(3y)-1.38%
ROA(5y)-1.28%
ROE(3y)-8.64%
ROE(5y)-7.57%
ROIC(3y)N/A
ROIC(5y)N/A
BWIN Yearly ROA, ROE, ROICBWIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 -5 -10 -15

1.3 Margins

  • BWIN has a worse Operating Margin (4.91%) than 81.76% of its industry peers.
  • BWIN has a Gross Margin of 29.75%. This is amongst the best in the industry. BWIN outperforms 89.86% of its industry peers.
  • In the last couple of years the Gross Margin of BWIN has grown nicely.
Industry RankSector Rank
OM 4.91%
PM (TTM) N/A
GM 29.75%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.74%
GM growth 5YN/A
BWIN Yearly Profit, Operating, Gross MarginsBWIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. BWIN Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BWIN is destroying value.
  • The number of shares outstanding for BWIN has been increased compared to 1 year ago.
  • The debt/assets ratio for BWIN is higher compared to a year ago.
BWIN Yearly Shares OutstandingBWIN Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BWIN Yearly Total Debt VS Total AssetsBWIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 1.00, we must say that BWIN is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.00, BWIN belongs to the best of the industry, outperforming 80.41% of the companies in the same industry.
  • A Debt/Equity ratio of 2.79 is on the high side and indicates that BWIN has dependencies on debt financing.
  • BWIN has a Debt to Equity ratio of 2.79. This is amonst the worse of the industry: BWIN underperforms 93.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.79
Debt/FCF N/A
Altman-Z 1
ROIC/WACC0.26
WACC7.97%
BWIN Yearly LT Debt VS Equity VS FCFBWIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

  • BWIN has a Current Ratio of 1.16. This is a normal value and indicates that BWIN is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.16, BWIN belongs to the top of the industry, outperforming 84.46% of the companies in the same industry.
  • A Quick Ratio of 1.16 indicates that BWIN should not have too much problems paying its short term obligations.
  • BWIN has a better Quick ratio (1.16) than 84.46% of its industry peers.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
BWIN Yearly Current Assets VS Current LiabilitesBWIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. BWIN Growth Analysis

3.1 Past

  • BWIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.67%, which is quite good.
  • The Earnings Per Share has been growing by 29.73% on average over the past years. This is a very strong growth
  • The Revenue has grown by 8.34% in the past year. This is quite good.
  • Measured over the past years, BWIN shows a quite strong growth in Revenue. The Revenue has been growing by 15.34% on average per year.
EPS 1Y (TTM)12.67%
EPS 3Y17.95%
EPS 5Y29.73%
EPS Q2Q%14.81%
Revenue 1Y (TTM)8.34%
Revenue growth 3Y15.34%
Revenue growth 5YN/A
Sales Q2Q%5.27%

3.2 Future

  • BWIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.38% yearly.
  • Based on estimates for the next years, BWIN will show a quite strong growth in Revenue. The Revenue will grow by 15.30% on average per year.
EPS Next Y22.4%
EPS Next 2Y23.65%
EPS Next 3Y23.38%
EPS Next 5YN/A
Revenue Next Year33.16%
Revenue Next 2Y21.64%
Revenue Next 3Y17.64%
Revenue Next 5Y15.3%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
BWIN Yearly Revenue VS EstimatesBWIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B 2B 2.5B
BWIN Yearly EPS VS EstimatesBWIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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4

4. BWIN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.07, the valuation of BWIN can be described as correct.
  • BWIN's Price/Earnings ratio is a bit more expensive when compared to the industry. BWIN is more expensive than 60.14% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.50. BWIN is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 10.68, which indicates a very decent valuation of BWIN.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BWIN is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of BWIN to the average of the S&P500 Index (22.67), we can say BWIN is valued rather cheaply.
Industry RankSector Rank
PE 13.07
Fwd PE 10.68
BWIN Price Earnings VS Forward Price EarningsBWIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BWIN's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. BWIN is more expensive than 70.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 23.38
BWIN Per share dataBWIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

4.3 Compensation for Growth

  • BWIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BWIN's earnings are expected to grow with 23.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)0.44
EPS Next 2Y23.65%
EPS Next 3Y23.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BWIN Dividend Analysis

5.1 Amount

  • No dividends for BWIN!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

BWIN Fundamentals: All Metrics, Ratios and Statistics

BALDWIN INSURANCE GROUP INC/

NASDAQ:BWIN (3/24/2026, 8:17:06 PM)

Premarket: 22.35 +0.26 (+1.18%)

22.09

-0.05 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners86.12%
Inst Owner ChangeN/A
Ins Owners1.1%
Ins Owner Change1.53%
Market Cap3.16B
Revenue(TTM)1.50B
Net Income(TTM)-33.81M
Analysts80
Price Target34.83 (57.67%)
Short Float %8.74%
Short Ratio5.19
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)2
Avg EPS beat(2)3.25%
Min EPS beat(2)1.31%
Max EPS beat(2)5.2%
EPS beat(4)2
Avg EPS beat(4)1.02%
Min EPS beat(4)-1.3%
Max EPS beat(4)5.2%
EPS beat(8)5
Avg EPS beat(8)1.15%
EPS beat(12)8
Avg EPS beat(12)2.83%
EPS beat(16)10
Avg EPS beat(16)2.62%
Revenue beat(2)0
Avg Revenue beat(2)-2.43%
Min Revenue beat(2)-3.35%
Max Revenue beat(2)-1.51%
Revenue beat(4)0
Avg Revenue beat(4)-2.21%
Min Revenue beat(4)-3.35%
Max Revenue beat(4)-0.93%
Revenue beat(8)0
Avg Revenue beat(8)-1.92%
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)0%
PT rev (3m)1.54%
EPS NQ rev (1m)-9.31%
EPS NQ rev (3m)-10.14%
EPS NY rev (1m)0.34%
EPS NY rev (3m)0.25%
Revenue NQ rev (1m)5.43%
Revenue NQ rev (3m)9.44%
Revenue NY rev (1m)4.53%
Revenue NY rev (3m)20.07%
Valuation
Industry RankSector Rank
PE 13.07
Fwd PE 10.68
P/S 2.1
P/FCF N/A
P/OCF N/A
P/B 5.26
P/tB N/A
EV/EBITDA 23.38
EPS(TTM)1.69
EY7.65%
EPS(NY)2.07
Fwd EY9.36%
FCF(TTM)-0.49
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS10.53
BVpS4.2
TBVpS-13.27
PEG (NY)0.58
PEG (5Y)0.44
Graham Number12.64
Profitability
Industry RankSector Rank
ROA -0.88%
ROE -5.63%
ROCE 2.61%
ROIC 2.06%
ROICexc 2.16%
ROICexgc 27.79%
OM 4.91%
PM (TTM) N/A
GM 29.75%
FCFM N/A
ROA(3y)-1.38%
ROA(5y)-1.28%
ROE(3y)-8.64%
ROE(5y)-7.57%
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 3Y3.74%
GM growth 5YN/A
F-Score3
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 2.79
Debt/FCF N/A
Debt/EBITDA 8.29
Cap/Depr 31.28%
Cap/Sales 2.66%
Interest Coverage 0.64
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z 1
F-Score3
WACC7.97%
ROIC/WACC0.26
Cap/Depr(3y)31.03%
Cap/Depr(5y)27.8%
Cap/Sales(3y)2.52%
Cap/Sales(5y)2.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.67%
EPS 3Y17.95%
EPS 5Y29.73%
EPS Q2Q%14.81%
EPS Next Y22.4%
EPS Next 2Y23.65%
EPS Next 3Y23.38%
EPS Next 5YN/A
Revenue 1Y (TTM)8.34%
Revenue growth 3Y15.34%
Revenue growth 5YN/A
Sales Q2Q%5.27%
Revenue Next Year33.16%
Revenue Next 2Y21.64%
Revenue Next 3Y17.64%
Revenue Next 5Y15.3%
EBIT growth 1Y21.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year401.12%
EBIT Next 3Y89.69%
EBIT Next 5Y63.15%
FCF growth 1Y-784.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-157.18%
OCF growth 3YN/A
OCF growth 5YN/A

BALDWIN INSURANCE GROUP INC/ / BWIN Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BALDWIN INSURANCE GROUP INC/ (BWIN) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BWIN.


What is the valuation status of BALDWIN INSURANCE GROUP INC/ (BWIN) stock?

ChartMill assigns a valuation rating of 4 / 10 to BALDWIN INSURANCE GROUP INC/ (BWIN). This can be considered as Fairly Valued.


How profitable is BALDWIN INSURANCE GROUP INC/ (BWIN) stock?

BALDWIN INSURANCE GROUP INC/ (BWIN) has a profitability rating of 2 / 10.


How financially healthy is BALDWIN INSURANCE GROUP INC/?

The financial health rating of BALDWIN INSURANCE GROUP INC/ (BWIN) is 3 / 10.


What is the expected EPS growth for BALDWIN INSURANCE GROUP INC/ (BWIN) stock?

The Earnings per Share (EPS) of BALDWIN INSURANCE GROUP INC/ (BWIN) is expected to grow by 22.4% in the next year.