WILLIS TOWERS WATSON PLC (WTW) Stock Fundamental Analysis

NASDAQ:WTW • IE00BDB6Q211

303.07 USD
-1.05 (-0.35%)
At close: Mar 3, 2026
303.07 USD
0 (0%)
After Hours: 3/3/2026, 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 scores excellent on profitability, but 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 has a Return On Assets of 5.44%. This is amongst the best in the industry. WTW outperforms 81.21% of its industry peers.
  • With an excellent Return On Equity value of 20.12%, WTW belongs to the best of the industry, outperforming 85.91% of the companies in the same industry.
  • WTW's Return On Invested Capital of 11.48% is amongst the best of the industry. WTW outperforms 94.63% of its industry peers.
  • WTW had an Average Return On Invested Capital over the past 3 years of 10.47%. This is below the industry average of 15.27%.
  • 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's Profit Margin of 16.53% is amongst the best of the industry. WTW outperforms 81.88% of its industry peers.
  • WTW's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 23.25%, WTW is doing good in the industry, outperforming 78.52% of the companies in the same industry.
  • 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WTW is creating some value.
  • The number of shares outstanding for WTW has been reduced compared to 1 year ago.
  • The number of shares outstanding for WTW has been reduced compared to 5 years ago.
  • The debt/assets ratio for WTW is higher compared to a year ago.
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 1.49, we must say that WTW is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.49, WTW belongs to the best of the industry, outperforming 85.23% of the companies in the same industry.
  • WTW has a debt to FCF ratio of 4.08. This is a neutral value as WTW would need 4.08 years to pay back of all of its debts.
  • WTW has a Debt to FCF ratio (4.08) which is in line with its industry peers.
  • 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 Debt to Equity ratio of 0.72. This is amonst the worse of the industry: WTW underperforms 84.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.08
Altman-Z 1.49
ROIC/WACC1.36
WACC8.43%
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 has a Current ratio of 1.20. This is amongst the best in the industry. WTW outperforms 83.22% 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.
  • WTW has a Quick ratio of 1.20. This is amongst the best in the industry. WTW outperforms 83.22% of its industry peers.
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.
  • WTW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.99% yearly.
  • The Revenue has decreased by -2.24% in the past 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

  • The Earnings Per Share is expected to grow by 12.10% on average over the next years. This is quite good.
  • WTW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.51% yearly.
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

  • 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

  • WTW is valuated rather expensively with a Price/Earnings ratio of 17.64.
  • Based on the Price/Earnings ratio, WTW is valued a bit more expensive than the industry average as 67.79% of the companies are valued more cheaply.
  • WTW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 15.53 indicates a correct valuation of WTW.
  • Based on the Price/Forward Earnings ratio, WTW is valued a bit more expensive than 62.42% of the companies in the same industry.
  • WTW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.64
Fwd PE 15.53
WTW Price Earnings VS Forward Price EarningsWTW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WTW is on the same level as its industry peers.
  • WTW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. WTW is more expensive than 64.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.64
EV/EBITDA 12
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.
  • A more expensive valuation may be justified as WTW's earnings are expected to grow with 12.10% in the coming years.
PEG (NY)1.3
PEG (5Y)2.21
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

  • WTW has a Yearly Dividend Yield of 1.11%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.49, WTW has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.82, 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.
  • WTW has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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.
  • WTW's earnings are growing more than its dividend. This makes the dividend growth 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 (3/3/2026, 8:00:02 PM)

After market: 303.07 0 (0%)

303.07

-1.05 (-0.35%)

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 Change11.81%
Market Cap28.82B
Revenue(TTM)9.71B
Net Income(TTM)1.60B
Analysts75.56
Price Target377.18 (24.45%)
Short Float %1.71%
Short Ratio1.94
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)0.77%
PT rev (3m)1.09%
EPS NQ rev (1m)1.51%
EPS NQ rev (3m)0.92%
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 17.64
Fwd PE 15.53
P/S 2.97
P/FCF 18.64
P/OCF 16.23
P/B 3.61
P/tB N/A
EV/EBITDA 12
EPS(TTM)17.18
EY5.67%
EPS(NY)19.52
Fwd EY6.44%
FCF(TTM)16.26
FCFY5.37%
OCF(TTM)18.67
OCFY6.16%
SpS102.1
BVpS83.89
TBVpS-22.12
PEG (NY)1.3
PEG (5Y)2.21
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 1.49
F-Score7
WACC8.43%
ROIC/WACC1.36
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 Year22.84%
EBIT Next 3Y13.24%
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%.