26.04 USD
-0.17 (-0.65%)
26.05 USD
+0.01 (+0.04%)
Overall BWIN gets a fundamental rating of 4 out of 10. We evaluated BWIN against 148 industry peers in the Insurance industry. BWIN may be in some trouble as it scores bad on both profitability and health. BWIN shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year BWIN was profitable.
In the past year BWIN has reported a negative cash flow from operations.
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.
The Return On Equity of BWIN (-4.54%) is worse than 83.78% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.28%, BWIN is in line with its industry, outperforming 50.68% 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
BWIN has a worse Operating Margin (5.49%) than 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.
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.
Compared to 1 year ago, BWIN has more shares outstanding
The debt/assets ratio for BWIN is higher compared to a year ago.
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.
The Altman-Z score of BWIN (1.02) is better than 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.
With a Debt to Equity ratio value of 2.64, BWIN is not doing good in the industry: 93.24% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.02 |
ROIC/WACC0.28
WACC8.1%
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 82.43% 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.
Looking at the Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.44% over the past year.
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.
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
The Earnings Per Share is expected to grow by 23.22% on average over the next years. This is a very strong growth
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.
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
With a Price/Earnings ratio of 15.78, BWIN is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as BWIN.
BWIN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.50 indicates a correct valuation of BWIN.
BWIN's Price/Forward Earnings is on the same level as the industry average.
BWIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 12.5 |
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 | 23.69 |
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 20.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.21
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% |
26.04
-0.17 (-0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners116.52%
Inst Owner ChangeN/A
Ins Owners0.95%
Ins Owner Change-1.85%
Market Cap3.09B
Revenue(TTM)1.49B
Net Income(TTM)-28.11M
Analysts77.33
Price Target34.17 (31.22%)
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 | 15.78 | ||
| Fwd PE | 12.5 | ||
| P/S | 2.08 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.99 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.69 |
EPS(TTM)1.65
EY6.34%
EPS(NY)2.08
Fwd EY8%
FCF(TTM)-0.55
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS12.54
BVpS5.22
TBVpS-16.13
PEG (NY)1.21
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
WACC8.1%
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 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.