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The Baldwin Insurance Group, Inc. (BWIN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

The Baldwin Insurance Group, Inc.

BWINMarket cap $3.08BPrice $31.8

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells and manages insurance for businesses and individuals through brokerage, underwriting, and claims services across the US. Grew from a single Florida agency into a multi-billion-dollar platform by acquiring smaller brokers, making acquisitions its real growth engine, not premiums.

In Bastion Portfolios?

52W Return+38%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%8

Revenue Forecast

Rev CAGR (1y)+33%9

Rev CAGR (3y)+18%9

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+25%8

EPS Growth Y+3+21%8

Quality

Margins

EBIT Margin-4%1

Net Income Margin-5%1

Free Cash Flow Margin2%3

Debt

Net Debt/EBITDA17.21

Efficiency

ROE-11%1

ROA-3%2

Earnings Stability22

GEAR+AVERAGE43

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)79

P/BV5.03

EV Multiples

EV/EBITDA Fwd139

EV/EBIT Fwd09

Yield

Free Cash Flow Yieldna–

Dividend Yieldna–

Momentum

Short term

1 month return+7%10

3 month return+18%9

YTD return+32%9

Mid term

Price vs 52wHigh97%10

1 year return+10%6

Long term

3 year return+35%5

5 year return-15%3

Risk Shield

Price Risk

Beta0.57

Volatility60%2

Free Cash Flow

Free Cash Flow Margin2%3

Free Cash Flow Yieldna–

Quality

ROCE-2%2

Earnings Stability22

Net Debt/EBITDA17.21

02Growth

Is it actually growing, and how fast?

BWINThe Baldwin Insurance Group

Revenue FY25$1.5B

GROWTH RATING↗

VERY STRONG86 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+33%9

Revenue, next 3Y, CAGR+18%9

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+25%8

EPS growth, FY28E+21%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 86% of companies worldwide.

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to keep growing around 18%/yr.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

None flagged.

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A top-tier grower. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+18%9

YTD return+32%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+10%6

3-year return+35%5

5-year return-15%3

MOMENTUM ASSESSMENT

STRENGTHS

It's up 10% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+18%) and so far this year (+32%).

WATCH

Average long-term results. Multi-year returns are middling (+35% over three years and -15% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on The Baldwin Insurance Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

BWINThe Baldwin Insurance Group

Revenue FY25$1.5B

GROWTH RATING↗

VERY STRONG86 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+33%9

Revenue, next 3Y, CAGR+18%9

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+25%8

EPS growth, FY28E+21%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 86% of companies worldwide.

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to keep growing around 18%/yr.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

None flagged.

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A top-tier grower. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+18%9

YTD return+32%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+10%6

3-year return+35%5

5-year return-15%3

MOMENTUM ASSESSMENT

STRENGTHS

It's up 10% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+18%) and so far this year (+32%).

WATCH

Average long-term results. Multi-year returns are middling (+35% over three years and -15% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on The Baldwin Insurance Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community