The Baldwin Insurance Group, Inc. (BWIN)
Valor JustoFundamental
30
Precio
$31.79
Capitalización Bursátil
$3.08B
Parte 1 · Cuánto vale la empresa
Resumen
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 18 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
Named by Baldwin in its 10-K and the closest match to its model: a Florida-based, acquisition-driven retail broker selling property-casualty and employee-benefits programs to the same US middle-market businesses and individuals.
Named by Baldwin in its 10-K; it buys up independent agencies across the United States and places commercial risk and employee-benefits business for the same mid-sized corporate clients.
Named by Baldwin in its 10-K as its personal-lines competitor: both distribute home and auto policies to American households, often through mortgage and real-estate referral channels.
Named by Baldwin in its 10-K; through Marsh McLennan Agency it has moved down-market into the same US middle-market commercial and benefits accounts Baldwin targets.
Named by Baldwin in its 10-K as a private competitor: a North American retail brokerage that bids for the same middle-market commercial and private-client accounts and competes for the same independent agencies to acquire.
Named by Baldwin in its 10-K as a private competitor: a US retail broker serving middle-market companies with property-casualty placement and employee-benefits consulting, Baldwin's core revenue line.
Balance y Liquidez
Ingresos
$1.72B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$-81M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$-69M
Patrimonio Neto Total
$600M
Pasivo Total
$2.78B
Ratio de Liquidez
1.07
Cobertura de Intereses
0.83
Deuda/EBITDA
12.72
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$33.33
Precio Actual
$31.79
Margen de Seguridad
+4.6%
Rango de Valor Justo
$31.67 - $35.00
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
-
ROE
-5.6%
Ratio P/B
1.22
P/FCF
24.72
Margen Bruto
-
ROIC
-2.1%
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-2.1%
WACC
7.6%
ROIC − WACC
-9.8 pp
El ROIC está por debajo del coste del capital: la empresa destruye valor por cada dólar invertido.
Criterios de Análisis Fundamental
Superado (7)
- EPS shows upward trend
- Price CAGR 10.28%
- P/FCF 24.72
- P/B Ratio 1.22
- Positive Free Cash Flow
- Current Ratio
- Analyst Consensus 71% Buy
Fallido (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
No disponible (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
Preocupaciones financieras graves
Calidad de los Beneficios
Baja calidad: investigue la contabilidad
Dilución de Acciones
Emitiendo nuevas acciones, diluyendo la participación
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. L. Lowry Baldwin | Co-Founder & Chairman | 66 |
| Mr. Daniel Galbraith | President & CEO of Retail Brokerage Operations | 44 |
| Ms. Elizabeth H. Krystyn | Co-Founder | - |
| Ms. Laura Rice Sherman | Co-Founder | - |
| Ms. Bonnie Bishop | Executive Director of Investor Relations | - |
| Mr. Richard C. Tallo | Chief Marketing Officer | - |
| Ms. Erin King | Chief Colleague Officer | - |
| Mr. Austin Rock | President of Capacity Solutions | - |
| Mr. David Smith | President & Executive Operating Officer of Mainstreet Insurance Solutions | 60 |
| Mr. Michael C. Robinson | Regional President of RogersGray | - |
Riesgo de Auditoría
3
Riesgo del Consejo
8
Riesgo de Compensación
4
Riesgo de Derechos del Accionista
8
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-26
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-30
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-21
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
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