The Baldwin Insurance Group, Inc. (BWIN)
Juste valeurFondamental
30
Prix
$31.82
Capitalisation boursière
$3.08B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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 septembre 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.
Bilan & Liquidités
Chiffre d'affaires
$1.72B
12 derniers mois (au 30/06/2026)
Résultat net
$-81M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$-69M
Capitaux propres totaux
$600M
Passif total
$2.78B
Ratio de liquidité général
1.07
Couverture des intérêts
0.83
Dette/EBITDA
12.72
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Le poids de la dette
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$33.33
Prix actuel
$31.82
Marge de sécurité
+4.5%
Fourchette de juste valeur
$31.67 - $35.00
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
-
ROE
-5.6%
Ratio P/B
1.22
P/FCF
24.72
Marge brute
-
ROIC
-2.1%
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-2.1%
WACC
7.6%
ROIC − WACC
-9.8 pp
Le ROIC est inférieur au coût du capital — l'entreprise détruit de la valeur pour chaque dollar investi.
Critères d'analyse fondamentale
Réussi (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
Échoué (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
Indisponible (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)
Score F de Piotroski
Préoccupations financières sérieuses
Qualité des bénéfices
Qualité faible : examiner la comptabilité
Dilution du capital
Émission de nouvelles actions, diluant la participation
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 | - |
Risque d'audit
3
Risque du conseil
8
Risque de rémunération
4
Risque droits des actionnaires
8
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-26
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-07-30
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-09-21
via SEC EDGAR
Historique des résultats
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