BALDWIN INSURANCE GROUP INC/ (BWIN) Stock Fundamental Analysis
USA - NASDAQ:BWIN - US05589G1022 - Common Stock
27.38 USD
-0.42 (-1.51%)
27.38 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BWIN. BWIN was compared to 147 industry peers in the Insurance industry. BWIN has a bad profitability rating. Also its financial health evaluation is rather negative. BWIN is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
BWIN had positive earnings in the past year.
In the past year BWIN has reported a negative cash flow from operations.
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
The Return On Assets of BWIN (-0.74%) is worse than 86.99% of its industry peers.
BWIN has a worse Return On Equity (-4.54%) than 86.99% of its industry peers.
BWIN's Return On Invested Capital of 2.28% is in line compared to the rest of the industry. BWIN outperforms 52.74% 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 has a Operating Margin of 5.49%. This is in the lower half of the industry: BWIN underperforms 74.66% of its industry peers.
With an excellent Gross Margin value of 27.16%, BWIN belongs to the best of the industry, outperforming 88.36% 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
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.
Compared to 1 year ago, BWIN has a worse debt to assets ratio.
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.
BWIN has a better Altman-Z score (1.04) than 78.77% 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.
Looking at the Debt to Equity ratio, with a value of 2.64, BWIN is doing worse than 93.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.04 |
ROIC/WACC0.28
WACC8.09%
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.
BWIN has a Current ratio of 1.15. This is amongst the best in the industry. BWIN outperforms 81.51% 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.
The Quick ratio of BWIN (1.15) is better than 81.51% 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.
The Revenue has grown by 10.69% in the past year. This is quite good.
The Revenue has been growing by 34.78% on average over the past years. This is a very strong growth!
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 quite strong growth in Earnings Per Share. The EPS will grow by 18.96% 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 Y12.7%
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.
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 16.59 indicates a correct valuation of BWIN.
63.01% of the companies in the same industry are cheaper than BWIN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.89, BWIN is valued a bit cheaper.
The Price/Forward Earnings ratio is 13.25, 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 (34.59), we can say BWIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.59 | ||
| Fwd PE | 13.25 |
4.2 Price Multiples
68.49% 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 | 24.4 |
4.3 Compensation for Growth
The 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)1.31
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 |
27.38
-0.42 (-1.51%)
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 Cap3.25B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts77.33
Price Target38.76 (41.56%)
Short Float %8.83%
Short Ratio7.56
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 | 16.59 | ||
| Fwd PE | 13.25 | ||
| P/S | 2.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.24 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.4 |
EPS(TTM)1.65
EY6.03%
EPS(NY)2.07
Fwd EY7.55%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.53
BVpS5.22
TBVpS-16.12
PEG (NY)1.31
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 | 1.04 |
F-Score5
WACC8.09%
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.