23.69 USD
-0.19 (-0.8%)
23.83 USD
+0.14 (+0.59%)
BWIN gets a fundamental rating of 4 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
BWIN had positive earnings in the past year.
BWIN had a negative operating cash flow in the past year.
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.
1.2 Ratios
BWIN has a Return On Assets of -0.74%. This is amonst the worse of the industry: BWIN underperforms 85.81% of its industry peers.
With a Return On Equity value of -4.54%, BWIN is not doing good in the industry: 84.46% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 2.28%, BWIN is in line with its industry, outperforming 50.00% 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
Looking at the Operating Margin, with a value of 5.49%, BWIN is doing worse than 72.97% of the companies in the same industry.
With an excellent Gross Margin value of 27.16%, BWIN belongs to the best of the industry, outperforming 86.49% of the companies in the same industry.
BWIN's Gross Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
2.2 Solvency
BWIN has an Altman-Z score of 0.96. 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 0.96 is fine compared to the rest of the industry. BWIN outperforms 79.05% of its industry peers.
BWIN has a Debt/Equity ratio of 2.64. This is a high value indicating a heavy dependency on external financing.
BWIN has a worse Debt to Equity ratio (2.64) than 94.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.96 |
ROIC/WACC0.28
WACC8.03%
2.3 Liquidity
BWIN has a Current 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.
The Current ratio of BWIN (1.15) is better than 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.
BWIN's Quick ratio of 1.15 is amongst the best of the industry. BWIN outperforms 81.76% of its industry peers.
| 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.
Looking at the last year, BWIN shows a quite strong growth in Revenue. The Revenue has grown by 10.69% in the last year.
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
Based on estimates for the next years, BWIN will show a very strong growth in Earnings Per Share. The EPS will grow by 23.22% on average per year.
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 Y13.29%
EPS Next 2Y17.29%
EPS Next 3Y19.71%
EPS Next 5Y23.22%
Revenue Next Year9.14%
Revenue Next 2Y10.05%
Revenue Next 3Y11.14%
Revenue Next 5Y14.05%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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
A Price/Earnings ratio of 14.36 indicates a correct valuation of BWIN.
BWIN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of BWIN to the average of the S&P500 Index (26.39), we can say BWIN is valued slightly cheaper.
The Price/Forward Earnings ratio is 11.48, which indicates a very decent valuation of BWIN.
BWIN's Price/Forward Earnings is on the same level as the industry average.
BWIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.36 | ||
| Fwd PE | 11.48 |
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 68.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.17 |
4.3 Compensation for Growth
The 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 19.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.08
PEG (5Y)N/A
EPS Next 2Y17.29%
EPS Next 3Y19.71%
5. Dividend
5.1 Amount
No dividends for BWIN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
23.69
-0.19 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners112.74%
Inst Owner ChangeN/A
Ins Owners0.95%
Ins Owner Change-1.81%
Market Cap2.81B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts77.33
Price Target34.3 (44.79%)
Short Float %10.1%
Short Ratio6.46
Dividend
| Industry Rank | Sector 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)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)-11.51%
PT rev (3m)-18.84%
EPS NQ rev (1m)0.77%
EPS NQ rev (3m)-3%
EPS NY rev (1m)0.52%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.36 | ||
| Fwd PE | 11.48 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.54 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.17 |
EPS(TTM)1.65
EY6.96%
EPS(NY)2.06
Fwd EY8.71%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.54
BVpS5.22
TBVpS-16.13
PEG (NY)1.08
PEG (5Y)N/A
Graham Number13.93
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 | 0.96 |
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 Y13.29%
EPS Next 2Y17.29%
EPS Next 3Y19.71%
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 2Y10.05%
Revenue Next 3Y11.14%
Revenue Next 5Y14.05%
EBIT growth 1Y124.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year141.63%
EBIT Next 3Y50.86%
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 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.
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 13.29% in the next year.