WILLIS TOWERS WATSON PLC (WTW) Stock Fundamental Analysis

NASDAQ:WTW • IE00BDB6Q211

287.74 USD
+4.76 (+1.68%)
At close: Feb 13, 2026
288.06 USD
+0.32 (+0.11%)
After Hours: 2/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

WTW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. WTW has an excellent profitability rating, but there are some minor concerns on its financial health. While showing a medium growth rate, WTW is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year WTW was profitable.
  • WTW had a positive operating cash flow in the past year.
  • Of the past 5 years WTW 4 years were profitable.
  • WTW had a positive operating cash flow in each of the past 5 years.
WTW Yearly Net Income VS EBIT VS OCF VS FCFWTW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 5.44%, WTW belongs to the top of the industry, outperforming 85.91% of the companies in the same industry.
  • The Return On Equity of WTW (20.12%) is better than 87.92% of its industry peers.
  • WTW's Return On Invested Capital of 11.48% is amongst the best of the industry. WTW outperforms 95.30% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for WTW is below the industry average of 14.88%.
  • The 3 year average ROIC (10.47%) for WTW is below the current ROIC(11.48%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.44%
ROE 20.12%
ROIC 11.48%
ROA(3y)2.9%
ROA(5y)4.79%
ROE(3y)9.99%
ROE(5y)14.38%
ROIC(3y)10.47%
ROIC(5y)8.75%
WTW Yearly ROA, ROE, ROICWTW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • WTW has a Profit Margin of 16.53%. This is amongst the best in the industry. WTW outperforms 83.22% of its industry peers.
  • WTW's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 23.25%, WTW belongs to the top of the industry, outperforming 81.88% of the companies in the same industry.
  • In the last couple of years the Operating Margin of WTW has grown nicely.
Industry RankSector Rank
OM 23.25%
PM (TTM) 16.53%
GM N/A
OM growth 3Y12.23%
OM growth 5Y15.06%
PM growth 3Y13.26%
PM growth 5Y7.42%
GM growth 3YN/A
GM growth 5YN/A
WTW Yearly Profit, Operating, Gross MarginsWTW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WTW is still creating some value.
  • WTW has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, WTW has less shares outstanding
  • Compared to 1 year ago, WTW has a worse debt to assets ratio.
WTW Yearly Shares OutstandingWTW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
WTW Yearly Total Debt VS Total AssetsWTW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • Based on the Altman-Z score of 1.43, we must say that WTW is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.43, WTW belongs to the top of the industry, outperforming 86.58% of the companies in the same industry.
  • The Debt to FCF ratio of WTW is 4.08, which is a neutral value as it means it would take WTW, 4.08 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.08, WTW is in line with its industry, outperforming 42.95% of the companies in the same industry.
  • WTW has a Debt/Equity ratio of 0.72. This is a neutral value indicating WTW is somewhat dependend on debt financing.
  • WTW has a worse Debt to Equity ratio (0.72) than 84.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.08
Altman-Z 1.43
ROIC/WACC1.37
WACC8.39%
WTW Yearly LT Debt VS Equity VS FCFWTW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.20 indicates that WTW should not have too much problems paying its short term obligations.
  • WTW's Current ratio of 1.20 is amongst the best of the industry. WTW outperforms 83.89% of its industry peers.
  • WTW has a Quick Ratio of 1.20. This is a normal value and indicates that WTW is financially healthy and should not expect problems in meeting its short term obligations.
  • With an excellent Quick ratio value of 1.20, WTW belongs to the best of the industry, outperforming 83.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 1.2
WTW Yearly Current Assets VS Current LiabilitesWTW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.66% over the past year.
  • The Earnings Per Share has been growing slightly by 7.99% on average over the past years.
  • Looking at the last year, WTW shows a decrease in Revenue. The Revenue has decreased by -2.24% in the last year.
  • WTW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.42% yearly.
EPS 1Y (TTM)1.66%
EPS 3Y8.34%
EPS 5Y7.99%
EPS Q2Q%-0.12%
Revenue 1Y (TTM)-2.24%
Revenue growth 3Y3.07%
Revenue growth 5Y2.42%
Sales Q2Q%-3.26%

3.2 Future

  • Based on estimates for the next years, WTW will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.10% on average per year.
  • Based on estimates for the next years, WTW will show a small growth in Revenue. The Revenue will grow by 4.51% on average per year.
EPS Next Y13.61%
EPS Next 2Y13.9%
EPS Next 3Y12.1%
EPS Next 5YN/A
Revenue Next Year6.94%
Revenue Next 2Y6.58%
Revenue Next 3Y4.51%
Revenue Next 5Y4.51%

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 accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
WTW Yearly Revenue VS EstimatesWTW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
WTW Yearly EPS VS EstimatesWTW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.75, WTW is valued correctly.
  • Based on the Price/Earnings ratio, WTW is valued a bit more expensive than 63.09% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.97. WTW is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 14.74, the valuation of WTW can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WTW indicates a slightly more expensive valuation: WTW is more expensive than 60.40% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.96, WTW is valued a bit cheaper.
Industry RankSector Rank
PE 16.75
Fwd PE 14.74
WTW Price Earnings VS Forward Price EarningsWTW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as WTW.
  • Based on the Price/Free Cash Flow ratio, WTW is valued a bit more expensive than 61.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.7
EV/EBITDA 11.24
WTW Per share dataWTW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80 100

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • WTW has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as WTW's earnings are expected to grow with 12.10% in the coming years.
PEG (NY)1.23
PEG (5Y)2.1
EPS Next 2Y13.9%
EPS Next 3Y12.1%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.11%, WTW has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.22, WTW has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.79, WTW is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.11%

5.2 History

  • The dividend of WTW is nicely growing with an annual growth rate of 6.46%!
  • WTW has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As WTW did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)6.46%
Div Incr Years8
Div Non Decr Years8
WTW Yearly Dividends per shareWTW Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 22.31% of the earnings are spent on dividend by WTW. This is a low number and sustainable payout ratio.
  • The dividend of WTW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP22.31%
EPS Next 2Y13.9%
EPS Next 3Y12.1%
WTW Yearly Income VS Free CF VS DividendWTW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B
WTW Dividend Payout.WTW Dividend Payout, showing the Payout Ratio.WTW Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

WILLIS TOWERS WATSON PLC

NASDAQ:WTW (2/13/2026, 8:00:02 PM)

After market: 288.06 +0.32 (+0.11%)

287.74

+4.76 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-22
Inst Owners99.63%
Inst Owner Change0%
Ins Owners0.28%
Ins Owner Change-0.27%
Market Cap27.36B
Revenue(TTM)9.71B
Net Income(TTM)1.60B
Analysts75.56
Price Target374.03 (29.99%)
Short Float %2.63%
Short Ratio4.23
Dividend
Industry RankSector Rank
Dividend Yield 1.11%
Yearly Dividend3.67
Dividend Growth(5Y)6.46%
DP22.31%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.41%
Min EPS beat(2)-0.42%
Max EPS beat(2)1.24%
EPS beat(4)2
Avg EPS beat(4)1.72%
Min EPS beat(4)-2.96%
Max EPS beat(4)9.03%
EPS beat(8)5
Avg EPS beat(8)2.73%
EPS beat(12)8
Avg EPS beat(12)1.85%
EPS beat(16)12
Avg EPS beat(16)2%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-0.82%
Max Revenue beat(2)1.28%
Revenue beat(4)2
Avg Revenue beat(4)-0.59%
Min Revenue beat(4)-3.05%
Max Revenue beat(4)1.28%
Revenue beat(8)2
Avg Revenue beat(8)-1.15%
Revenue beat(12)4
Avg Revenue beat(12)-0.6%
Revenue beat(16)5
Avg Revenue beat(16)-1.07%
PT rev (1m)0.53%
PT rev (3m)-1.44%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-1.1%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.38%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)0.69%
Valuation
Industry RankSector Rank
PE 16.75
Fwd PE 14.74
P/S 2.82
P/FCF 17.7
P/OCF 15.41
P/B 3.43
P/tB N/A
EV/EBITDA 11.24
EPS(TTM)17.18
EY5.97%
EPS(NY)19.52
Fwd EY6.78%
FCF(TTM)16.26
FCFY5.65%
OCF(TTM)18.67
OCFY6.49%
SpS102.1
BVpS83.89
TBVpS-22.12
PEG (NY)1.23
PEG (5Y)2.1
Graham Number180.07
Profitability
Industry RankSector Rank
ROA 5.44%
ROE 20.12%
ROCE 14.54%
ROIC 11.48%
ROICexc 14.39%
ROICexgc 77.02%
OM 23.25%
PM (TTM) 16.53%
GM N/A
FCFM 15.93%
ROA(3y)2.9%
ROA(5y)4.79%
ROE(3y)9.99%
ROE(5y)14.38%
ROIC(3y)10.47%
ROIC(5y)8.75%
ROICexc(3y)12.25%
ROICexc(5y)10.26%
ROICexgc(3y)60.81%
ROICexgc(5y)51.46%
ROCE(3y)13.26%
ROCE(5y)11.07%
ROICexgc growth 3Y29.95%
ROICexgc growth 5Y22.96%
ROICexc growth 3Y25.24%
ROICexc growth 5Y25.7%
OM growth 3Y12.23%
OM growth 5Y15.06%
PM growth 3Y13.26%
PM growth 5Y7.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.08
Debt/EBITDA 2.15
Cap/Depr 54.78%
Cap/Sales 2.36%
Interest Coverage 250
Cash Conversion 66.36%
Profit Quality 96.32%
Current Ratio 1.2
Quick Ratio 1.2
Altman-Z 1.43
F-Score7
WACC8.39%
ROIC/WACC1.37
Cap/Depr(3y)52.14%
Cap/Depr(5y)44.67%
Cap/Sales(3y)2.46%
Cap/Sales(5y)2.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.66%
EPS 3Y8.34%
EPS 5Y7.99%
EPS Q2Q%-0.12%
EPS Next Y13.61%
EPS Next 2Y13.9%
EPS Next 3Y12.1%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.24%
Revenue growth 3Y3.07%
Revenue growth 5Y2.42%
Sales Q2Q%-3.26%
Revenue Next Year6.94%
Revenue Next 2Y6.58%
Revenue Next 3Y4.51%
Revenue Next 5Y4.51%
EBIT growth 1Y5.52%
EBIT growth 3Y15.68%
EBIT growth 5Y17.85%
EBIT Next Year21.35%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.02%
FCF growth 3Y36.49%
FCF growth 5Y0.77%
OCF growth 1Y17.39%
OCF growth 3Y29.78%
OCF growth 5Y0.01%

WILLIS TOWERS WATSON PLC / WTW FAQ

Can you provide the ChartMill fundamental rating for WILLIS TOWERS WATSON PLC?

ChartMill assigns a fundamental rating of 5 / 10 to WTW.


What is the valuation status for WTW stock?

ChartMill assigns a valuation rating of 3 / 10 to WILLIS TOWERS WATSON PLC (WTW). This can be considered as Overvalued.


Can you provide the profitability details for WILLIS TOWERS WATSON PLC?

WILLIS TOWERS WATSON PLC (WTW) has a profitability rating of 7 / 10.


What is the expected EPS growth for WILLIS TOWERS WATSON PLC (WTW) stock?

The Earnings per Share (EPS) of WILLIS TOWERS WATSON PLC (WTW) is expected to grow by 13.61% in the next year.


Is the dividend of WILLIS TOWERS WATSON PLC sustainable?

The dividend rating of WILLIS TOWERS WATSON PLC (WTW) is 6 / 10 and the dividend payout ratio is 22.31%.