330.04 USD
+2.72 (+0.83%)
At close: Feb 6, 2026
330.04 USD
0 (0%)
After Hours: 2/6/2026, 8:11:50 PM
Taking everything into account, WTW scores 5 out of 10 in our fundamental rating. WTW was compared to 149 industry peers in the Insurance industry. While WTW has a great profitability rating, there are some minor concerns on its financial health. WTW is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year WTW was profitable.
- In the past year WTW had a positive cash flow from operations.
- 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.
1.2 Ratios
- WTW has a better Return On Assets (5.44%) than 85.91% of its industry peers.
- WTW has a Return On Equity of 20.12%. This is amongst the best in the industry. WTW outperforms 87.92% of its industry peers.
- WTW has a Return On Invested Capital of 11.48%. This is amongst the best in the industry. WTW outperforms 95.30% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for WTW is below the industry average of 14.88%.
- 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 Rank | Sector 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%
1.3 Margins
- The Profit Margin of WTW (16.53%) is better than 83.22% of its industry peers.
- WTW's Profit Margin has improved in the last couple of years.
- WTW's Operating Margin of 23.25% is amongst the best of the industry. WTW outperforms 81.88% of its industry peers.
- In the last couple of years the Operating Margin of WTW has grown nicely.
| Industry Rank | Sector 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
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.
2.2 Solvency
- Based on the Altman-Z score of 1.56, we must say that WTW is in the distress zone and has some risk of bankruptcy.
- WTW has a better Altman-Z score (1.56) than 87.92% of its industry peers.
- 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.
- The Debt to FCF ratio of WTW (4.08) is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.72 indicates that WTW is somewhat dependend on debt financing.
- The Debt to Equity ratio of WTW (0.72) is worse than 84.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 4.08 | ||
| Altman-Z | 1.56 |
ROIC/WACC1.35
WACC8.49%
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.
- WTW has a Current ratio of 1.20. This is amongst the best in the industry. WTW outperforms 83.89% of its industry peers.
- A Quick Ratio of 1.20 indicates that WTW should not have too much problems paying its short term obligations.
- WTW has a Quick ratio of 1.20. This is amongst the best in the industry. WTW outperforms 83.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
- WTW shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.66%.
- Measured over the past 5 years, WTW shows a small growth in Earnings Per Share. The EPS has been growing by 7.99% on average per year.
- The Revenue has decreased by -2.24% in the past year.
- Measured over the past years, WTW shows a small growth in Revenue. The Revenue has been growing by 2.42% on average per year.
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 Year6.94%
Revenue Next 2Y6.58%
Revenue Next 3Y4.51%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 19.21, the valuation of WTW can be described as rather expensive.
- Based on the Price/Earnings ratio, WTW is valued a bit more expensive than 67.79% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.93. WTW is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 16.91, WTW is valued correctly.
- WTW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WTW is more expensive than 63.76% of the companies in the same industry.
- WTW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.21 | ||
| Fwd PE | 16.91 |
4.2 Price Multiples
- WTW's Enterprise Value to EBITDA is on the same level as the industry average.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTW indicates a slightly more expensive valuation: WTW is more expensive than 63.76% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.44 | ||
| EV/EBITDA | 13 |
4.3 Compensation for Growth
- The 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)1.41
PEG (5Y)2.41
EPS Next 2Y13.9%
EPS Next 3Y12.1%
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.
- WTW's Dividend Yield is comparable with the industry average which is at 2.28.
- WTW's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
5.2 History
- On average, the dividend of WTW grows each year by 6.46%, which is quite nice.
- WTW has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
- WTW pays out 22.31% of its income as dividend. This is a 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%
330.04
+2.72 (+0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03 2026-02-03/bmo
Earnings (Next)04-22 2026-04-22/bmo
Inst Owners99.63%
Inst Owner Change0%
Ins Owners0.28%
Ins Owner Change-0.27%
Market Cap31.60B
Revenue(TTM)9.71B
Net Income(TTM)1.60B
Analysts75.56
Price Target374.03 (13.33%)
Short Float %2.63%
Short Ratio4.23
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.21 | ||
| Fwd PE | 16.91 | ||
| P/S | 3.26 | ||
| P/FCF | 20.44 | ||
| P/OCF | 17.8 | ||
| P/B | 3.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13 |
EPS(TTM)17.18
EY5.21%
EPS(NY)19.52
Fwd EY5.91%
FCF(TTM)16.15
FCFY4.89%
OCF(TTM)18.54
OCFY5.62%
SpS101.39
BVpS83.3
TBVpS-21.96
PEG (NY)1.41
PEG (5Y)2.41
Graham Number179.44
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.56 |
F-Score7
WACC8.49%
ROIC/WACC1.35
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%.