The Baldwin Insurance Group, Inc. (BWIN)
NEUTRALFundamental
35
Preço
$31.07
Capitalização de Mercado
$3.11B
Parte 1 · Quanto vale a empresa
Visão Geral
The Baldwin Insurance Group, Inc. operates as an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company operates through three segments: Insurance Advisory Solutions; Underwriting, Capacity & Technology Solutions; and Mainstreet Insurance Solutions. Its Insurance Advisory Solutions segment provides private risk management, commercial risk management, employee benefits, and Medicare insurance solutions for businesses and high-net-worth individuals, as well as their families. The Underwriting, Capacity & Technology Solutions segment offers MGA platform, that manufactures technology-enabled insurance product suite comprises personal, commercial, and professional lines. Its Mainstreet Insurance Solutions segment provides personal insurance, commercial insurance, and life and health solutions to individuals and businesses in communities, as well as offers reinsurance brokerage; and consultation for government assistance programs and solutions, including traditional Medicare and Medicare advantage and affordable care act to seniors and eligible individuals through a network of primarily independent contractor agents. The company was formerly known as BRP Group, Inc. and changed its name to The Baldwin Insurance Group, Inc. in May 2024. The Baldwin Insurance Group, Inc. was founded in 2011 and is headquartered in Tampa, Florida.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balanço & Liquidez
Receita
$1.72B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$-81M
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
$-69M
Capital Próprio Total
$600M
Passivo Total
$2.78B
Rácio de Liquidez
1.07
Cobertura de Juros
0.83
Dívida/EBITDA
12.72
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$32.22
Preço Atual
$31.07
Margem de Segurança
+3.6%
Intervalo de Valor Justo
$30.61 - $33.83
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
-
ROE
-5.6%
Rácio P/B
1.20
P/FCF
24.34
Margem Bruta
-
ROIC
-2.1%
Radar de Rentabilidade
Value Creation (Economic Moat)
ROIC
-2.1%
WACC
7.7%
ROIC − WACC
-9.8 pp
ROIC is below the cost of capital — the company is destroying value for every dollar invested.
Critérios de Análise Fundamental
Aprovado (7)
- EPS shows upward trend
- Price CAGR 10.31%
- P/FCF 24.34
- P/B Ratio 1.20
- Positive Free Cash Flow
- Current Ratio
- Analyst Consensus 71% Buy
Reprovado (14)
- ROIC -2.1%
- Debt/Equity ratio
- Operating Margin -6.9%
- CapEx intensity
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- DCF valuation (Overvalued)
- ROE -10.6%
- Earnings Surprise avg 0.9%
- Share Dilution 7.6%
- Net Margin Trend -4.7% vs -1.2%
- Piotroski F-Score 2/9
Indisponível (6)
- Gross Margin NaN%
- Dividend Payout NaN%
- Price below Graham Number
- Revenue Growth 5Y (Finnhub)
- PEG Ratio (need PE > 0 and growth > 0)
- Earnings Quality (OCF/Net Income)
Piotroski F-Score
Preocupações financeiras graves
Qualidade dos Resultados
Baixa qualidade: investigar a contabilidade
Diluição de Ações
A emitir novas ações, diluindo a participação
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. L. Lowry Baldwin | Co-Founder & Chairman | 66 |
| Mr. Trevor Lowry Baldwin | Co-Founder, CEO & Non-Independent Director | 38 |
| Mr. Daniel Galbraith | President & CEO of Retail Brokerage Operations | 44 |
| Mr. James Morgan Roche | President, CEO of Underwriting, Capacity & Technology Operations | 47 |
| Mr. Bradford Lenzie Hale CPA | Chief Financial Officer | 44 |
| Mr. Seth Cohen | General Counsel & Corporate Secretary | 47 |
| Ms. Elizabeth H. Krystyn | Co-Founder | - |
| Ms. Laura Rice Sherman | Co-Founder | - |
| Ms. Corbyn N. Lichon | Chief Accounting Officer | 32 |
| Ms. Bonnie Bishop | Executive Director of Investor Relations | - |
Risco de Auditoria
3
Risco do Conselho
8
Risco de Remuneração
4
Risco dos Direitos dos Acionistas
8
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Latest News
Recent headlines for BWIN, sourced from Markets Gazette.
- 2/27/2026NEUTRALBaldwin (BWIN) Q4 2025 Earnings Call Transcript
Baldwin (BWIN) held its Q4 2025 earnings call. While specific details from the transcript are not yet available, this event is a critical juncture for investors. Quarterly earnings calls are essential for understanding a company's financial performance, future outlook, and management strategies. Analysts and shareholders eagerly await this information to assess operational health, revenue growth, profitability, and any updates on future guidance. The current lack of content prevents an immediate assessment, but market attention remains high on Baldwin, awaiting the release of data to form informed judgments on its stock.
via Markets Gazette