BALDWIN INSURANCE GROUP INC/ (BWIN) Stock Fundamental Analysis
USA - NASDAQ:BWIN - US05589G1022 - Common Stock
27.97 USD
+0.59 (+2.15%)
27.97 USD
0 (0%)
BWIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. Both the profitability and financial health of BWIN have multiple concerns. 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.
In the past 5 years BWIN always reported negative net income.
In multiple years BWIN reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of -0.74%, BWIN is not doing good in the industry: 87.07% of the companies in the same industry are doing better.
With a Return On Equity value of -4.54%, BWIN is not doing good in the industry: 87.07% 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 52.38% 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
The Operating Margin of BWIN (5.49%) is worse than 74.83% of its industry peers.
BWIN has a Gross Margin of 27.16%. This is amongst the best in the industry. BWIN outperforms 88.44% 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
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.
BWIN has a worse debt/assets ratio than last year.
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.
With a decent Altman-Z score value of 1.06, BWIN is doing good in the industry, outperforming 78.91% of the companies in the same industry.
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 93.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.06 |
ROIC/WACC0.28
WACC8.1%
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 81.63% 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 81.63% 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.
BWIN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.83% yearly.
The Revenue has grown by 10.69% in the past year. This is quite good.
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)10.69%
Revenue growth 3Y34.78%
Revenue growth 5YN/A
Sales Q2Q%7.8%
3.2 Future
BWIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.96% yearly.
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
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.95 indicates a correct valuation of BWIN.
Based on the Price/Earnings ratio, BWIN is valued a bit more expensive than 63.95% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.56. BWIN is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 13.54, which indicates a correct valuation of BWIN.
The rest of the industry has a similar Price/Forward Earnings ratio as BWIN.
The average S&P500 Price/Forward Earnings ratio is at 34.62. BWIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.95 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
69.39% 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 | 24.76 |
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)1.33
PEG (5Y)N/A
EPS Next 2Y17.37%
EPS Next 3Y18.96%
5. Dividend
5.1 Amount
BWIN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
27.97
+0.59 (+2.15%)
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 Cap3.32B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts77.33
Price Target38.76 (38.58%)
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)-8.28%
PT rev (3m)-20.6%
EPS NQ rev (1m)-2.68%
EPS NQ rev (3m)-4.92%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-7.02%
Revenue NQ rev (1m)-0.74%
Revenue NQ rev (3m)-1.11%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.95 | ||
| Fwd PE | 13.54 | ||
| P/S | 2.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.76 |
EPS(TTM)1.65
EY5.9%
EPS(NY)2.07
Fwd EY7.39%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.53
BVpS5.22
TBVpS-16.12
PEG (NY)1.33
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 | 1.06 |
F-Score5
WACC8.1%
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 5YN/A
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 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.