26.275 USD
-0.32 (-1.18%)
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 is valued quite expensively, but it does show have an excellent growth rating.
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 -0.74% is on the low side compared to the rest of the industry. BWIN is outperformed by 84.93% of its industry peers.
- BWIN has a Return On Equity of -4.54%. This is amonst the worse of the industry: BWIN underperforms 83.56% of its industry peers.
- The Return On Invested Capital of BWIN (2.28%) is comparable to the rest of the 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
- BWIN's Operating Margin of 5.49% is on the low side compared to the rest of the industry. BWIN is outperformed by 71.92% of its industry peers.
- The Gross Margin of BWIN (27.16%) 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 | 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
- BWIN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- BWIN has more shares outstanding than it did 1 year ago.
- BWIN has a worse debt/assets ratio than last year.
2.2 Solvency
- BWIN has an Altman-Z score of 1.02. 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 1.02 is amongst the best of the industry. BWIN outperforms 80.14% 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's Debt to Equity ratio of 2.64 is on the low side compared to the rest of the industry. BWIN is outperformed by 93.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.02 |
ROIC/WACC0.28
WACC8.11%
2.3 Liquidity
- A Current Ratio of 1.15 indicates that BWIN should not have too much problems paying its short term obligations.
- With an excellent Current ratio value of 1.15, BWIN belongs to the best of the industry, outperforming 82.19% of the companies in the same industry.
- 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 82.19% 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.
- BWIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.69%.
- 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.
- The Revenue is expected to grow by 14.05% on average over the next years. This is quite good.
EPS Next Y13.05%
EPS Next 2Y17.84%
EPS Next 3Y20.83%
EPS Next 5Y23.22%
Revenue Next Year9.21%
Revenue Next 2Y16.71%
Revenue Next 3Y15.87%
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
- The Price/Earnings ratio is 15.92, which indicates a correct valuation of BWIN.
- The rest of the industry has a similar Price/Earnings ratio as BWIN.
- BWIN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.33.
- The Price/Forward Earnings ratio is 12.61, which indicates a correct valuation of BWIN.
- BWIN's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of BWIN to the average of the S&P500 Index (24.12), we can say BWIN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.92 | ||
| Fwd PE | 12.61 |
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 | 23.92 |
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 20.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.22
PEG (5Y)N/A
EPS Next 2Y17.84%
EPS Next 3Y20.83%
5. Dividend
5.1 Amount
- No dividends for BWIN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:BWIN (1/15/2026, 1:46:07 PM)
26.275
-0.32 (-1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners116.52%
Inst Owner ChangeN/A
Ins Owners0.95%
Ins Owner Change-1.79%
Market Cap3.12B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts78.67
Price Target34.17 (30.05%)
Short Float %8.99%
Short Ratio5.59
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)-0.37%
PT rev (3m)-19.14%
EPS NQ rev (1m)-0.38%
EPS NQ rev (3m)-3%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-1.14%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.92 | ||
| Fwd PE | 12.61 | ||
| P/S | 2.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.03 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.92 |
EPS(TTM)1.65
EY6.28%
EPS(NY)2.08
Fwd EY7.93%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.54
BVpS5.22
TBVpS-16.13
PEG (NY)1.22
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 | 1.02 |
F-Score5
WACC8.11%
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 Y13.05%
EPS Next 2Y17.84%
EPS Next 3Y20.83%
EPS Next 5Y23.22%
Revenue 1Y (TTM)10.69%
Revenue growth 3Y34.78%
Revenue growth 5YN/A
Sales Q2Q%7.8%
Revenue Next Year9.21%
Revenue Next 2Y16.71%
Revenue Next 3Y15.87%
Revenue Next 5Y14.05%
EBIT growth 1Y124.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year141.81%
EBIT Next 3Y54.4%
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.
What is the valuation status of BALDWIN INSURANCE GROUP INC/ (BWIN) stock?
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.
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 13.05% in the next year.