WILLIS TOWERS WATSON PLC (WTW) Stock Fundamental Analysis

NASDAQ:WTW • IE00BDB6Q211

291.27 USD
-0.25 (-0.09%)
At close: Feb 24, 2026
291.27 USD
0 (0%)
After Hours: 2/24/2026, 8:01:18 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 150 industry peers in the Insurance industry. While WTW has a great profitability rating, there are some minor concerns on its financial health. WTW is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • WTW had positive earnings in the past year.
  • WTW had a positive operating cash flow in the past year.
  • WTW had positive earnings in 4 of the past 5 years.
  • 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

  • WTW's Return On Assets of 5.44% is amongst the best of the industry. WTW outperforms 83.33% of its industry peers.
  • WTW's Return On Equity of 20.12% is amongst the best of the industry. WTW outperforms 86.67% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 11.48%, WTW belongs to the top of the industry, outperforming 95.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for WTW is below the industry average of 15.13%.
  • The last Return On Invested Capital (11.48%) for WTW is above the 3 year average (10.47%), which is a sign of increasing profitability.
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 better Profit Margin (16.53%) than 82.67% of its industry peers.
  • WTW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of WTW (23.25%) is better than 80.00% of its industry peers.
  • WTW's Operating Margin has improved in the last couple of years.
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

  • WTW has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for WTW has been reduced compared to 1 year ago.
  • Compared to 5 years ago, WTW has less shares outstanding
  • WTW has a worse debt/assets ratio than last year.
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 1.46, we must say that WTW is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of WTW (1.46) is better than 87.33% of its industry peers.
  • 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.
  • WTW has a Debt to FCF ratio of 4.08. This is comparable to the rest of the industry: WTW outperforms 40.67% of its industry peers.
  • A Debt/Equity ratio of 0.72 indicates that WTW is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.72, WTW is doing worse than 84.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.08
Altman-Z 1.46
ROIC/WACC1.37
WACC8.4%
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

  • WTW has a Current 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.
  • Looking at the Current ratio, with a value of 1.20, WTW belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
  • A Quick Ratio of 1.20 indicates that WTW should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.20, WTW belongs to the top of the industry, outperforming 84.00% 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.
  • The Revenue has decreased by -2.24% in the past year.
  • The Revenue has been growing slightly by 2.42% on average over the past years.
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.
  • The Revenue is expected to grow by 4.51% on average over the next years.
EPS Next Y13.61%
EPS Next 2Y13.9%
EPS Next 3Y12.1%
EPS Next 5YN/A
Revenue Next Year9.11%
Revenue Next 2Y7.56%
Revenue Next 3Y7.19%
Revenue Next 5Y4.51%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.95, which indicates a correct valuation of WTW.
  • Compared to the rest of the industry, the Price/Earnings ratio of WTW indicates a slightly more expensive valuation: WTW is more expensive than 66.67% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of WTW to the average of the S&P500 Index (26.98), we can say WTW is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 14.92, which indicates a correct valuation of WTW.
  • WTW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WTW is more expensive than 62.00% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. WTW is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.95
Fwd PE 14.92
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

  • WTW's Enterprise Value to EBITDA is on the same level as the industry average.
  • 62.67% of the companies in the same industry are cheaper than WTW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.91
EV/EBITDA 11.55
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

  • WTW's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of WTW may justify a higher PE ratio.
  • WTW's earnings are expected to grow with 12.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.25
PEG (5Y)2.12
EPS Next 2Y13.9%
EPS Next 3Y12.1%

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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 2.62, WTW has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.81, 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 paid a dividend for at least 10 years, which is 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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WILLIS TOWERS WATSON PLC

NASDAQ:WTW (2/24/2026, 8:01:18 PM)

After market: 291.27 0 (0%)

291.27

-0.25 (-0.09%)

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 Change0.21%
Market Cap27.69B
Revenue(TTM)9.71B
Net Income(TTM)1.60B
Analysts75.56
Price Target374.03 (28.41%)
Short Float %2.32%
Short Ratio2.76
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)-0.07%
PT rev (3m)0.25%
EPS NQ rev (1m)1.92%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)2.85%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)2.03%
Revenue NY rev (3m)2.73%
Valuation
Industry RankSector Rank
PE 16.95
Fwd PE 14.92
P/S 2.85
P/FCF 17.91
P/OCF 15.6
P/B 3.47
P/tB N/A
EV/EBITDA 11.55
EPS(TTM)17.18
EY5.9%
EPS(NY)19.52
Fwd EY6.7%
FCF(TTM)16.26
FCFY5.58%
OCF(TTM)18.67
OCFY6.41%
SpS102.1
BVpS83.89
TBVpS-22.12
PEG (NY)1.25
PEG (5Y)2.12
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 1.46
F-Score7
WACC8.4%
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 Year9.11%
Revenue Next 2Y7.56%
Revenue Next 3Y7.19%
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%.