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The Baldwin Insurance Group, Inc. BWIN

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Price alert · BWIN

All alert types
31.93 USD +0.10 +0.31%

At close

32.92 +0.99 +3.09%

Pre-market · Nov 2, 5:36 AM ET

Bid
31.91 × 2
Ask
31.92 × 1
31.85 Day range 31.95
15.88 52-week range 32.71
YTD
+32.88%
1 year
+48.58%
Open
31.92
Prev close
31.83
Mkt cap
4.49B
Vol
1.58M
Avg vol
2.62M
EPS
-1.04
P/E
0.00
Div yield
0.00%
More statistics
Low
31.85
High
31.95
Forward P/E
12.89
Beta
1.00
Short ratio
1.63
Inst. own
102.88%
Dividend
0.00
Ex-div date
50-d avg
31.45
200-d avg
25.06
1y target
32.42

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Financial health

Altman Z-Score

0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

D+1 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 2

Valuation

P/E -48.1×
FY 2017: 37.1×FY 2018: -231×FY 2019: -24.1×FY 2020: -27.3×FY 2021: -47.0×FY 2022: -40.6×FY 2023: -20.0×FY 2024: -99.4×FY 2025: -48.1×
FY 2017 5y median -47.0× FY 2025
P/S 1.1×
FY 2017: 3.0×FY 2018: 1.8×FY 2019: 4.0×FY 2020: 3.5×FY 2021: 2.6×FY 2022: 1.8×FY 2023: 1.5×FY 2024: 1.8×FY 2025: 1.1×
FY 2017 5y median 1.8× FY 2025
P/B 2.7×
FY 2017: 3.2×FY 2018: 1.0×FY 2019: 7.4×FY 2020: 2.2×FY 2021: 2.4×FY 2022: 2.8×FY 2023: 3.2×FY 2024: 4.2×FY 2025: 2.7×
FY 2017 5y median 2.8× FY 2025
P/FCF -23.7×
FY 2017: 18.8×FY 2018: 12.6×FY 2019: 52.3×FY 2020: 26.1×FY 2021: 41.1×FY 2022: -69.9×FY 2023: 77.7×FY 2024: 40.3×FY 2025: -23.7×
FY 2017 5y median 40.3× FY 2025
EV/EBITDA 16.7×
FY 2017: 18.3×FY 2018: 9.8×FY 2019: 31.5×FY 2020: 58.7×FY 2021: 35.8×FY 2022: 35.0×FY 2023: 28.4×FY 2024: 24.0×FY 2025: 16.7×
FY 2017 5y median 28.4× FY 2025
EV/Sales 2.2×
FY 2017: 3.0×FY 2018: 1.7×FY 2019: 3.8×FY 2020: 4.7×FY 2021: 4.2×FY 2022: 3.2×FY 2023: 2.8×FY 2024: 2.9×FY 2025: 2.2×
FY 2017 5y median 2.9× FY 2025
FCF Yield -4.2%
FY 2017: 5.3%FY 2018: 7.9%FY 2019: 1.9%FY 2020: 3.8%FY 2021: 2.4%FY 2022: -1.4%FY 2023: 1.3%FY 2024: 2.5%FY 2025: -4.2%
FY 2017 5y median 1.3% FY 2025

Profitability

Gross Margin 12.8%
FY 2017: 34.9%FY 2018: 34.5%FY 2019: 28.1%FY 2020: 24.8%FY 2021: 28.6%FY 2022: 25.8%FY 2023: 24.5%FY 2024: 25.0%FY 2025: 12.8%
FY 2017 5y median 25.0% FY 2025
Operating Margin 7.3%
FY 2017: 12.3%FY 2018: 12.1%FY 2019: -3.8%FY 2020: -9.5%FY 2021: -5.6%FY 2022: -3.2%FY 2023: -3.5%FY 2024: 4.4%FY 2025: 7.3%
FY 2017 5y median -3.2% FY 2025
Net Margin -2.2%
FY 2017: 3.6%FY 2018: -0.8%FY 2019: -6.4%FY 2020: -6.8%FY 2021: -5.5%FY 2022: -4.3%FY 2023: -7.5%FY 2024: -1.8%FY 2025: -2.2%
FY 2017 5y median -4.3% FY 2025
ROE -5.6%
FY 2017: 3.8%FY 2018: -0.4%FY 2019: -11.8%FY 2020: -4.3%FY 2021: -5.0%FY 2022: -6.9%FY 2023: -16.1%FY 2024: -4.2%FY 2025: -5.6%
FY 2017 5y median -5.6% FY 2025
ROIC 3.8%
FY 2017: 15.9%FY 2018: 3.3%FY 2019: -1.5%FY 2020: -1.7%FY 2021: -1.3%FY 2022: -1.1%FY 2023: -1.6%FY 2024: 2.3%FY 2025: 3.8%
FY 2017 5y median -1.1% FY 2025
ROA -0.9%
FY 2017: 324.4%FY 2018: -118.4%FY 2019: -2.2%FY 2020: -1.0%FY 2021: -1.1%FY 2022: -1.2%FY 2023: -2.6%FY 2024: -0.7%FY 2025: -0.9%
FY 2017 5y median -1.1% FY 2025

Growth (YoY)

Revenue 9.3%
FY 2017: 0.0%FY 2018: 66.6%FY 2019: 71.1%FY 2020: 71.7%FY 2021: 141.7%FY 2022: 73.1%FY 2023: 24.6%FY 2024: 14.0%FY 2025: 9.3%
FY 2017 FY 2025
Operating Income 80.3%
FY 2017: 0.0%FY 2018: 63.9%FY 2019: -153.2%FY 2020: -332.9%FY 2021: -44.2%FY 2022: 1.7%FY 2023: -36.8%FY 2024: 242.5%FY 2025: 80.3%
FY 2017 FY 2025
EPS (diluted) -28.2%
FY 2017: 0.0%FY 2018: -116.0%FY 2019: -861.5%FY 2020: 12.0%FY 2021: 41.8%FY 2022: -15.6%FY 2023: -102.7%FY 2024: 74.0%FY 2025: -28.2%
FY 2017 FY 2025
Free Cash Flow -212.8%
FY 2017: 0.0%FY 2018: 48.6%FY 2019: -8.6%FY 2020: 204.5%FY 2021: 11.0%FY 2022: -170.2%FY 2023: 195.2%FY 2024: 162.6%FY 2025: -212.8%
FY 2017 FY 2025

Financial Health

Current Ratio 1.2×
FY 2017: 0.8×FY 2018: 0.9×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.2×
FY 2017 5y median 1.1× FY 2025
Quick Ratio 1.2×
FY 2017: 0.8×FY 2018: 0.9×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.2×
FY 2017 5y median 1.1× FY 2025
Debt / Equity 2.9×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.6×FY 2020: 1.1×FY 2021: 1.7×FY 2022: 2.4×FY 2023: 2.9×FY 2024: 2.8×FY 2025: 2.9×
FY 2017 5y median 2.8× FY 2025
Net Debt / EBITDA 8.4×
FY 2017: -0.3×FY 2018: -0.5×FY 2019: -1.5×FY 2020: 15.1×FY 2021: 13.8×FY 2022: 15.5×FY 2023: 13.0×FY 2024: 9.1×FY 2025: 8.4×
FY 2017 5y median 13.0× FY 2025
Interest Coverage 0.9×
FY 2017: 3.0×FY 2018: 1.4×FY 2019: -0.5×FY 2020: -2.8×FY 2021: -1.2×FY 2022: -0.4×FY 2023: -0.4×FY 2024: 0.0×FY 2025: 0.9×
FY 2017 5y median -0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2017: 2.8%FY 2018: 3.9%FY 2019: 2.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2017: 234.8%FY 2018: -881.4%FY 2019: -122.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: -0.4%FY 2024: -1.1%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31