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

NASDAQ:BWIN • US05589G1022

Current stock price

23.25 USD
-0.47 (-1.98%)
Last:

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.
  • In the past year BWIN has reported a negative cash flow from operations.
  • BWIN had negative earnings in each of the past 5 years.
  • 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

  • The Return On Assets of BWIN (-0.88%) is worse than 86.39% of its industry peers.
  • The Return On Equity of BWIN (-5.63%) is worse than 86.39% of its industry peers.
  • BWIN has a Return On Invested Capital (2.06%) which is in line with its industry peers.
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

  • With a Operating Margin value of 4.91%, BWIN is not doing good in the industry: 80.95% of the companies in the same industry are doing better.
  • The Gross Margin of BWIN (29.75%) is better than 89.80% of its industry peers.
  • BWIN's Gross Margin has improved in the last couple of years.
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BWIN is destroying value.
  • BWIN has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, BWIN has a worse debt to assets ratio.
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 1.04, we must say that BWIN is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of BWIN (1.04) is better than 80.95% of its industry peers.
  • A Debt/Equity ratio of 2.79 is on the high side and indicates that BWIN has dependencies on debt financing.
  • BWIN's Debt to Equity ratio of 2.79 is on the low side compared to the rest of the industry. BWIN is outperformed by 92.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.79
Debt/FCF N/A
Altman-Z 1.04
ROIC/WACC0.26
WACC8.02%
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

  • A Current Ratio of 1.16 indicates that BWIN should not have too much problems paying its short term obligations.
  • With an excellent Current ratio value of 1.16, BWIN belongs to the best of the industry, outperforming 84.35% 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.
  • The Quick ratio of BWIN (1.16) is better than 84.35% 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

  • The Earnings Per Share has grown by an nice 12.67% over the past year.
  • Measured over the past years, BWIN shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.73% on average per year.
  • BWIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.34%.
  • The Revenue has been growing by 15.34% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, BWIN will show a very strong growth in Earnings Per Share. The EPS will grow by 23.45% on average per year.
  • The Revenue is expected to grow by 15.30% on average over the next years. This is quite good.
EPS Next Y21.24%
EPS Next 2Y23.06%
EPS Next 3Y23.45%
EPS Next 5YN/A
Revenue Next Year33.16%
Revenue Next 2Y21.48%
Revenue Next 3Y17.67%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

  • BWIN is valuated correctly with a Price/Earnings ratio of 13.76.
  • Compared to the rest of the industry, the Price/Earnings ratio of BWIN indicates a slightly more expensive valuation: BWIN is more expensive than 63.27% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of BWIN to the average of the S&P500 Index (26.91), we can say BWIN is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.35, which indicates a very decent valuation of BWIN.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BWIN.
  • When comparing the Price/Forward Earnings ratio of BWIN to the average of the S&P500 Index (21.99), we can say BWIN is valued slightly cheaper.
Industry RankSector Rank
PE 13.76
Fwd PE 11.35
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

  • 66.67% of the companies in the same industry are cheaper than BWIN, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.54
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.
  • A more expensive valuation may be justified as BWIN's earnings are expected to grow with 23.45% in the coming years.
PEG (NY)0.65
PEG (5Y)0.46
EPS Next 2Y23.06%
EPS Next 3Y23.45%

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

0

5. BWIN Dividend Analysis

5.1 Amount

  • BWIN does not give a dividend.
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 (4/29/2026, 1:03:39 PM)

23.25

-0.47 (-1.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength3.73
Industry Growth86.34
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners84.88%
Inst Owner Change-0.44%
Ins Owners1.21%
Ins Owner Change1.5%
Market Cap3.32B
Revenue(TTM)1.50B
Net Income(TTM)-33.81M
Analysts80
Price Target32.13 (38.19%)
Short Float %13.6%
Short Ratio7.29
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)-7.74%
PT rev (3m)-6.57%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-9.55%
EPS NY rev (1m)-0.95%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)5.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.53%
Valuation
Industry RankSector Rank
PE 13.76
Fwd PE 11.35
P/S 2.21
P/FCF N/A
P/OCF N/A
P/B 5.53
P/tB N/A
EV/EBITDA 24.54
EPS(TTM)1.69
EY7.27%
EPS(NY)2.05
Fwd EY8.81%
FCF(TTM)-0.49
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS10.53
BVpS4.2
TBVpS-13.27
PEG (NY)0.65
PEG (5Y)0.46
Graham Number12.6396 (-45.64%)
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 1.04
F-Score3
WACC8.02%
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 Y21.24%
EPS Next 2Y23.06%
EPS Next 3Y23.45%
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 2Y21.48%
Revenue Next 3Y17.67%
Revenue Next 5Y15.3%
EBIT growth 1Y21.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year399.53%
EBIT Next 3Y89.98%
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 for BWIN stock?

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


Can you provide the profitability details for BALDWIN INSURANCE GROUP INC/?

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


What are the PE and PB ratios of BALDWIN INSURANCE GROUP INC/ (BWIN) stock?

The Price/Earnings (PE) ratio for BALDWIN INSURANCE GROUP INC/ (BWIN) is 13.76 and the Price/Book (PB) ratio is 5.53.


What is the earnings growth outlook for BALDWIN INSURANCE GROUP INC/?

The Earnings per Share (EPS) of BALDWIN INSURANCE GROUP INC/ (BWIN) is expected to grow by 21.24% in the next year.