25.84 USD
+0.71 (+2.83%)
25.84 USD
0 (0%)
Taking everything into account, BWIN scores 4 out of 10 in our fundamental rating. BWIN was compared to 148 industry peers in the Insurance industry. Both the profitability and financial health of BWIN have multiple concerns. BWIN is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- In the past year BWIN was profitable.
- BWIN had a negative operating cash flow in the past year.
- BWIN had negative earnings in each of the past 5 years.
- In multiple years BWIN reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of BWIN (-0.74%) is worse than 85.14% of its industry peers.
- With a Return On Equity value of -4.54%, BWIN is not doing good in the industry: 83.78% of the companies in the same industry are doing better.
- BWIN's Return On Invested Capital of 2.28% is in line compared to the rest of the industry. BWIN outperforms 50.68% of its industry peers.
| 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 72.30% of its industry peers.
- BWIN's Gross Margin of 27.16% is amongst the best of the industry. BWIN outperforms 87.16% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BWIN is destroying value.
- Compared to 1 year ago, BWIN has more shares outstanding
- BWIN has a worse debt/assets ratio than last year.
2.2 Solvency
- BWIN has an Altman-Z score of 0.99. 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 0.99, BWIN is doing good in the industry, outperforming 79.05% 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 93.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.99 |
ROIC/WACC0.28
WACC8.13%
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.
- Looking at the Current ratio, with a value of 1.15, BWIN belongs to the top of the industry, outperforming 82.43% of the companies in the same industry.
- A Quick Ratio of 1.15 indicates that BWIN should not have too much problems paying its short term obligations.
- The Quick ratio of BWIN (1.15) is better than 82.43% 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.
- The Earnings Per Share has been growing by 23.83% on average over the past years. This is a very strong growth
- Looking at the last year, BWIN shows a quite strong growth in Revenue. The Revenue has grown by 10.69% in the last year.
- 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
- 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 Y12.82%
EPS Next 2Y17.36%
EPS Next 3Y20.48%
EPS Next 5Y23.22%
Revenue Next Year9.21%
Revenue Next 2Y17.95%
Revenue Next 3Y17.16%
Revenue Next 5Y14.05%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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 15.66 indicates a correct valuation of BWIN.
- The rest of the industry has a similar Price/Earnings ratio as BWIN.
- The average S&P500 Price/Earnings ratio is at 27.25. BWIN is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 12.51, which indicates a correct valuation of BWIN.
- BWIN's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of BWIN to the average of the S&P500 Index (25.98), we can say BWIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.66 | ||
| Fwd PE | 12.51 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, BWIN is valued a bit more expensive than 68.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 23.04 |
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 20.48% in the coming years.
PEG (NY)1.22
PEG (5Y)N/A
EPS Next 2Y17.36%
EPS Next 3Y20.48%
5. Dividend
5.1 Amount
- BWIN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 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.
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 12.82% in the next year.