BALDWIN INSURANCE GROUP INC/ (BWIN) Stock Fundamental Analysis
USA - NASDAQ:BWIN - US05589G1022 - Common Stock
26.87 USD
+1.08 (+4.19%)
26.87 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BWIN. BWIN was compared to 146 industry peers in the Insurance industry. BWIN may be in some trouble as it scores bad on both profitability and health. BWIN shows excellent growth, but is valued quite expensive already.
1. Profitability
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.
1.2 Ratios
BWIN's Return On Assets of -0.48% is on the low side compared to the rest of the industry. BWIN is outperformed by 86.30% of its industry peers.
With a Return On Equity value of -2.82%, BWIN is not doing good in the industry: 86.30% of the companies in the same industry are doing better.
The Return On Invested Capital of BWIN (2.72%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.48% | ||
| ROE | -2.82% | ||
| ROIC | 2.72% |
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
With a Operating Margin value of 6.43%, BWIN is not doing good in the industry: 70.55% of the companies in the same industry are doing better.
The Gross Margin of BWIN (27.55%) is better than 88.36% of its industry peers.
BWIN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.43% | ||
| PM (TTM) | N/A | ||
| GM | 27.55% |
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 1.06. This is a bad value and indicates that BWIN is not financially healthy and even has some risk of bankruptcy.
BWIN's Altman-Z score of 1.06 is amongst the best of the industry. BWIN outperforms 80.14% of its industry peers.
BWIN has a Debt/Equity ratio of 2.55. This is a high value indicating a heavy dependency on external financing.
BWIN's Debt to Equity ratio of 2.55 is on the low side compared to the rest of the industry. BWIN is outperformed by 93.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.06 |
ROIC/WACC0.34
WACC8.06%
2.3 Liquidity
BWIN has a Current Ratio of 1.23. 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 Current ratio value of 1.23, BWIN belongs to the best of the industry, outperforming 82.19% of the companies in the same industry.
A Quick Ratio of 1.23 indicates that BWIN should not have too much problems paying its short term obligations.
BWIN has a better Quick ratio (1.23) than 82.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
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.
BWIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.99%.
Measured over the past years, BWIN shows a very strong growth in Revenue. The Revenue has been growing by 34.78% on average per year.
EPS 1Y (TTM)20.44%
EPS 3Y23.83%
EPS 5YN/A
EPS Q2Q%-6.06%
Revenue 1Y (TTM)13.99%
Revenue growth 3Y34.78%
Revenue growth 5YN/A
Sales Q2Q%7.8%
3.2 Future
Based on estimates for the next years, BWIN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.96% on average per year.
The Revenue is expected to grow by 14.05% on average over the next years. This is quite good.
EPS Next Y12.7%
EPS Next 2Y17.37%
EPS Next 3Y18.96%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y10.86%
Revenue Next 3Y12.16%
Revenue Next 5Y14.05%
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.
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
BWIN is valuated correctly with a Price/Earnings ratio of 16.28.
Based on the Price/Earnings ratio, BWIN is valued a bit more expensive than 60.96% of the companies in the same industry.
BWIN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.83.
Based on the Price/Forward Earnings ratio of 13.00, the valuation of BWIN can be described as correct.
BWIN's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 32.68. BWIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.28 | ||
| Fwd PE | 13 |
4.2 Price Multiples
69.18% of the companies in the same industry are cheaper than BWIN, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.25 |
4.3 Compensation for Growth
BWIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
BWIN's earnings are expected to grow with 18.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.28
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 |
26.87
+1.08 (+4.19%)
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-2.51%
Market Cap3.19B
Revenue(TTM)1.39B
Net Income(TTM)-17.76M
Analysts77.33
Price Target38.76 (44.25%)
Short Float %8.83%
Short Ratio7.56
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)0
Avg EPS beat(2)-1.21%
Min EPS beat(2)-1.3%
Max EPS beat(2)-1.11%
EPS beat(4)1
Avg EPS beat(4)-0.91%
Min EPS beat(4)-5.25%
Max EPS beat(4)4.03%
EPS beat(8)5
Avg EPS beat(8)3.4%
EPS beat(12)7
Avg EPS beat(12)2.34%
EPS beat(16)9
Avg EPS beat(16)2.49%
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-3.04%
Max Revenue beat(2)-0.93%
Revenue beat(4)0
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-4.36%
Max Revenue beat(4)-0.93%
Revenue beat(8)0
Avg Revenue beat(8)-1.61%
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)-8.28%
PT rev (3m)-20.6%
EPS NQ rev (1m)-2.83%
EPS NQ rev (3m)-24.6%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-7.02%
Revenue NQ rev (1m)-0.39%
Revenue NQ rev (3m)-4.05%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.28 | ||
| Fwd PE | 13 | ||
| P/S | 2.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.05 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.25 |
EPS(TTM)1.65
EY6.14%
EPS(NY)2.07
Fwd EY7.69%
FCF(TTM)-0.89
FCFYN/A
OCF(TTM)-0.52
OCFYN/A
SpS12.31
BVpS5.32
TBVpS-14.45
PEG (NY)1.28
PEG (5Y)N/A
Graham Number14.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.48% | ||
| ROE | -2.82% | ||
| ROCE | 3.44% | ||
| ROIC | 2.72% | ||
| ROICexc | 2.82% | ||
| ROICexgc | 26.52% | ||
| OM | 6.43% | ||
| PM (TTM) | N/A | ||
| GM | 27.55% | ||
| 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-Score4
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.55 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.82 | ||
| Cap/Depr | 38.89% | ||
| Cap/Sales | 2.97% | ||
| Interest Coverage | 0.84 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 | ||
| Altman-Z | 1.06 |
F-Score4
WACC8.06%
ROIC/WACC0.34
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 5YN/A
Revenue 1Y (TTM)13.99%
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 1Y345.46%
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 4 / 10 to BWIN.
Can you provide the valuation status for BALDWIN INSURANCE GROUP INC/?
ChartMill assigns a valuation rating of 3 / 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.