The Baldwin Insurance Group, Inc. (BWIN) is a publicly traded company in the Financial Services — Insurance - Brokers industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Operating across the United States, The Baldwin Insurance Group, Inc. is an independent firm dedicated to providing insurance and comprehensive risk management services. The company's activities are organized into three primary segments: 1. Insurance Advisory Solutions: This division offers tailored commercial risk management, employee benefits programs, and private risk management solutions, catering to businesses, affluent individuals, and their families. 2.
Analysis Summary
The Baldwin Insurance Group, Inc. reported revenue of $1.50B in the most recent fiscal year, growing at a 5-year CAGR of 45.4%.
Trailing-twelve-month margins: gross margin 9.6%, operating margin -5.3%, net margin -4.7%.
At the current price of $32.04, BWIN has negative trailing earnings (P/E not meaningful) and an ROE of -10.59%. Market capitalisation stands at $2.6B.
Balance sheet quality for BWIN: current ratio of 1.2, net debt of $1.65B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Price
| Price | $32.04 |
| Market Cap | $2.6B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| Price / Book | 2.74 |
| EV / EBITDA | 83.18 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -10.59% |
| Return on Invested Capital | -0.96% |
| Return on Assets | -1.32% |
| Gross Margin | 9.58% |
| Operating Margin | -5.33% |
| Net Margin | -4.67% |
Financial Health
| Debt / Equity | 3.04 |
| Current Ratio | 1.07 |
What to look at in Insurance
Insurers earn in 2 ways: underwriting well (combined ratio) and investing the float. Buffett built Berkshire that way.
- Op Margin 5y (Combined Ratio proxy) — Combined ratio proxy when FMP does not expose it. ≥10% 5y average = underwriting discipline (CR <100%)
- Book Value / Share growth — How Buffett measures Berkshire. The real value shareholders accumulate
- Debt / Equity — Leveraged insurers fail fast under catastrophes
- P/B (Price / Book) — Insurers are valued by book multiple. Here it is crossed with ROE (quality × valuation)
- Dividend growth streak — Consecutive years raising dividend per share — solid insurers stack decades
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BWIN | The Baldwin Insurance Group, Inc. | $2.6B | 2.74 | -10.6% | |
| FRME | First Merchants Corporation | $2.6B | 13.35 | 0.97 | |
| CLBK | Columbia Financial, Inc. | $2.6B | 44.27 | 2.15 | 5.0% |
| FCF | First Commonwealth Financial Corporation | $2.2B | 13.15 | 1.40 | 10.8% |
| MRSH | Marsh & McLennan Companies, Inc. | $84.4B | 21.64 | 5.64 | 26.5% |
| AON | Aon plc | $63.8B | 16.61 | 6.70 | 42.6% |
| 0ITL.L | Arthur J. Gallagher & Co. | $62.7B | 39.07 | 2.58 | 6.7% |
| AJG | Arthur J. Gallagher & Co. | $62.6B | 40.26 | 2.66 | 6.7% |
Price Performance
| 1 month | +6.09% |
| 3 months | +58.30% |
| Year-to-date | +33.33% |
| 1 year | +1.78% |
52-Week Range
| 52-week High | $32.71 |
| 52-week Low | $15.88 |
| Avg Volume (90d) | 2.0M |
Related companies: BLX · CCB · CLBK · FCF · FINV · FRME · GABC
Explore sector: Financial Services · Insurance - Brokers
More sections of BWIN: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Radar — undervalued stock signals · Investment Academy — learn to analyze stocks