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Company Analysis

The Baldwin Insurance Group, In BWIN

A comprehensive view of key metrics, scores, and financial health for The Baldwin Insurance Group, In

Overview of The Baldwin Insurance Group, Inc.

BWIN NMS
Financial Services Insurance Brokers Mid Cap
The Baldwin Insurance Group, Inc. (BWIN), is a Mid Cap company, in the Insurance Brokers industry, last closed at $23.72, about 60.6% overvalued vs fair value, -43.0% 1Y return, ranked 924/1037 in sector.
Metrics Rev Growth 9.4% ROE -5.7% Gross Margin 12.8%
$23.72
-2.75%
As of April 28, 2026
Previous close • Vol 90d: 66.4%
52-Week Range
Market Cap
$3.48B
Enterprise Value
$3.53B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 54%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.baldwin.com
HQ Tampa, FL
Employees 4,000
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$9
$18
Current: $23.72 -61% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.5B
9.3%%
Claims & Losses
$-1.3B
27.2%%
Underwriting Result
$79.5M
42.8%%
Net Income
$-33.8M
-37.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
87.2%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$264.0K

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
2/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating The Baldwin Insurance Group, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
43
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
50
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing BWIN's balance between Growth (43.4%), Profitability (24.2%), and Safety (32.4%). Growth 43% Safety 32% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
52
Key Signals
Revenue CAGR 3Y 15.8% 69p Rev Growth YoY 9.3% 45p EPS Growth YoY 74.2% 60p Equity Growth YoY 4.1% 30p Asset Growth YoY 9.3% 66p
Strengths
  • Financial Leverage in top 20% of peers (6.15, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for The Baldwin Insurance Group, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$9.35
- - -
-60.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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