319.02 USD
-2.77 (-0.86%)
319.02 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to WTW. WTW was compared to 149 industry peers in the Insurance industry. WTW has an excellent profitability rating, but 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
- WTW had positive earnings in the past year.
- In the past year WTW had a positive cash flow from operations.
- Of the past 5 years WTW 4 years were profitable.
- In the past 5 years WTW always reported a positive cash flow from operatings.
1.2 Ratios
- WTW's Return On Assets of 7.71% is amongst the best of the industry. WTW outperforms 93.29% of its industry peers.
- WTW has a better Return On Equity (27.36%) than 93.96% of its industry peers.
- WTW has a better Return On Invested Capital (12.62%) than 94.63% of its industry peers.
- WTW had an Average Return On Invested Capital over the past 3 years of 8.90%. This is significantly below the industry average of 14.92%.
- The last Return On Invested Capital (12.62%) for WTW is above the 3 year average (8.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.71% | ||
| ROE | 27.36% | ||
| ROIC | 12.62% |
ROA(3y)2.15%
ROA(5y)4.22%
ROE(3y)6.64%
ROE(5y)12.19%
ROIC(3y)8.9%
ROIC(5y)7.27%
1.3 Margins
- Looking at the Profit Margin, with a value of 21.58%, WTW belongs to the top of the industry, outperforming 91.95% of the companies in the same industry.
- The Operating Margin of WTW (23.13%) is better than 80.54% of its industry peers.
- In the last couple of years the Operating Margin of WTW has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.13% | ||
| PM (TTM) | 21.58% | ||
| GM | N/A |
OM growth 3Y10.88%
OM growth 5Y11.06%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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.
- 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
- Compared to 1 year ago, WTW has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.59, we must say that WTW is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of WTW (1.59) is better than 85.23% of its industry peers.
- WTW has a debt to FCF ratio of 3.85. This is a good value and a sign of high solvency as WTW would need 3.85 years to pay back of all of its debts.
- WTW has a Debt to FCF ratio (3.85) which is comparable to the rest of the industry.
- WTW has a Debt/Equity ratio of 0.62. This is a neutral value indicating WTW is somewhat dependend on debt financing.
- WTW has a Debt to Equity ratio of 0.62. This is in the lower half of the industry: WTW underperforms 76.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 3.85 | ||
| Altman-Z | 1.59 |
ROIC/WACC1.49
WACC8.49%
2.3 Liquidity
- A Current Ratio of 1.10 indicates that WTW should not have too much problems paying its short term obligations.
- WTW has a Current ratio of 1.10. This is amongst the best in the industry. WTW outperforms 80.54% of its industry peers.
- WTW has a Quick Ratio of 1.10. This is a normal value and indicates that WTW is financially healthy and should not expect problems in meeting its short term obligations.
- WTW's Quick ratio of 1.10 is amongst the best of the industry. WTW outperforms 80.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 6.05% over the past year.
- The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
- Looking at the last year, WTW shows a decrease in Revenue. The Revenue has decreased by -0.02% in the last year.
- WTW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.48% yearly.
EPS 1Y (TTM)6.05%
EPS 3Y7.25%
EPS 5Y9.03%
EPS Q2Q%4.78%
Revenue 1Y (TTM)-0.02%
Revenue growth 3Y3.34%
Revenue growth 5Y3.48%
Sales Q2Q%-0.04%
3.2 Future
- The Earnings Per Share is expected to grow by 9.39% on average over the next years. This is quite good.
- Based on estimates for the next years, WTW will show a small growth in Revenue. The Revenue will grow by 2.99% on average per year.
EPS Next Y1.39%
EPS Next 2Y7.45%
EPS Next 3Y9.96%
EPS Next 5Y9.39%
Revenue Next Year-2.84%
Revenue Next 2Y1.88%
Revenue Next 3Y3.26%
Revenue Next 5Y2.99%
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 stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 18.56 indicates a rather expensive 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 65.77% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of WTW to the average of the S&P500 Index (27.32), we can say WTW is valued slightly cheaper.
- The Price/Forward Earnings ratio is 16.35, which indicates a correct valuation of WTW.
- Based on the Price/Forward Earnings ratio, WTW is valued a bit more expensive than the industry average as 62.42% of the companies are valued more cheaply.
- WTW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.56 | ||
| Fwd PE | 16.35 |
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.
- Based on the Price/Free Cash Flow ratio, WTW is valued a bit more expensive than 65.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.12 | ||
| EV/EBITDA | 12.64 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of WTW may justify a higher PE ratio.
PEG (NY)13.35
PEG (5Y)2.06
EPS Next 2Y7.45%
EPS Next 3Y9.96%
5. Dividend
5.1 Amount
- WTW has a Yearly Dividend Yield of 1.11%.
- Compared to an average industry Dividend Yield of 2.53, WTW has a dividend in line with its industry peers.
- Compared to the average S&P500 Dividend Yield of 1.86, WTW is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
5.2 History
- On average, the dividend of WTW grows each year by 6.49%, which is quite nice.
- 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)6.49%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- WTW pays out 16.92% 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.
DP16.92%
EPS Next 2Y7.45%
EPS Next 3Y9.96%
319.02
-2.77 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners99.63%
Inst Owner Change0%
Ins Owners0.28%
Ins Owner Change-0.27%
Market Cap30.55B
Revenue(TTM)9.81B
Net Income(TTM)2.12B
Analysts75.56
Price Target374.28 (17.32%)
Short Float %4.1%
Short Ratio6.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
Yearly Dividend3.5
Dividend Growth(5Y)6.49%
DP16.92%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.31%
Min EPS beat(2)-0.42%
Max EPS beat(2)9.03%
EPS beat(4)2
Avg EPS beat(4)1.48%
Min EPS beat(4)-2.96%
Max EPS beat(4)9.03%
EPS beat(8)5
Avg EPS beat(8)3.13%
EPS beat(12)8
Avg EPS beat(12)1.8%
EPS beat(16)12
Avg EPS beat(16)2.06%
Revenue beat(2)1
Avg Revenue beat(2)-0.3%
Min Revenue beat(2)-0.82%
Max Revenue beat(2)0.22%
Revenue beat(4)1
Avg Revenue beat(4)-1.37%
Min Revenue beat(4)-3.05%
Max Revenue beat(4)0.22%
Revenue beat(8)1
Avg Revenue beat(8)-1.45%
Revenue beat(12)4
Avg Revenue beat(12)-0.68%
Revenue beat(16)4
Avg Revenue beat(16)-1.44%
PT rev (1m)0.81%
PT rev (3m)1.02%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-0.52%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.56 | ||
| Fwd PE | 16.35 | ||
| P/S | 3.11 | ||
| P/FCF | 22.12 | ||
| P/OCF | 19.06 | ||
| P/B | 3.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.64 |
EPS(TTM)17.19
EY5.39%
EPS(NY)19.51
Fwd EY6.12%
FCF(TTM)14.42
FCFY4.52%
OCF(TTM)16.74
OCFY5.25%
SpS102.42
BVpS80.78
TBVpS-24.92
PEG (NY)13.35
PEG (5Y)2.06
Graham Number176.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.71% | ||
| ROE | 27.36% | ||
| ROCE | 15.98% | ||
| ROIC | 12.62% | ||
| ROICexc | 14.6% | ||
| ROICexgc | 83.34% | ||
| OM | 23.13% | ||
| PM (TTM) | 21.58% | ||
| GM | N/A | ||
| FCFM | 14.08% |
ROA(3y)2.15%
ROA(5y)4.22%
ROE(3y)6.64%
ROE(5y)12.19%
ROIC(3y)8.9%
ROIC(5y)7.27%
ROICexc(3y)9.9%
ROICexc(5y)8.3%
ROICexgc(3y)46.83%
ROICexgc(5y)41.54%
ROCE(3y)11.27%
ROCE(5y)9.2%
ROICexgc growth 3Y11.06%
ROICexgc growth 5Y19.69%
ROICexc growth 3Y21.06%
ROICexc growth 5Y22.92%
OM growth 3Y10.88%
OM growth 5Y11.06%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 3.85 | ||
| Debt/EBITDA | 1.78 | ||
| Cap/Depr | 53.49% | ||
| Cap/Sales | 2.26% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 59.75% | ||
| Profit Quality | 65.26% | ||
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | 1.59 |
F-Score6
WACC8.49%
ROIC/WACC1.49
Cap/Depr(3y)45.88%
Cap/Depr(5y)41.14%
Cap/Sales(3y)2.44%
Cap/Sales(5y)2.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.05%
EPS 3Y7.25%
EPS 5Y9.03%
EPS Q2Q%4.78%
EPS Next Y1.39%
EPS Next 2Y7.45%
EPS Next 3Y9.96%
EPS Next 5Y9.39%
Revenue 1Y (TTM)-0.02%
Revenue growth 3Y3.34%
Revenue growth 5Y3.48%
Sales Q2Q%-0.04%
Revenue Next Year-2.84%
Revenue Next 2Y1.88%
Revenue Next 3Y3.26%
Revenue Next 5Y2.99%
EBIT growth 1Y11.67%
EBIT growth 3Y14.58%
EBIT growth 5Y14.92%
EBIT Next Year28.17%
EBIT Next 3Y14.89%
EBIT Next 5YN/A
FCF growth 1Y43.56%
FCF growth 3Y-12.01%
FCF growth 5Y10.3%
OCF growth 1Y33.81%
OCF growth 3Y-9.81%
OCF growth 5Y6.94%
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 2 / 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 1.39% 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 16.92%.