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Baldwin Insurance Group, Inc.

BWIN

$29.53 ▲ +0.92 (+3.20%) at close

9 Visible periods

30 Metrics

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Weak

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Analytical Summary

Baldwin Insurance Group, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $2.0B

Dividend Yield —

Revenue Growth 8.3% ↘

Op. Margin 4.9% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 3.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.50B

↑ +8.3% —

Net Income Profit after all expenses

$-33.81M

↓ -37.9% —

Operating Margin Operating profit as % of sales

4.9%

↑ +12.5% 42th

Long-Term Debt Long-term obligations

$399.00M

— —

Health Breakdown

Profitability ↑

Returns ↓

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	8.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	14.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+133%)	24.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+304%)	—	—	—	—	—	—
EPS Growth YoY (%)	-28.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	74.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-102.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-15.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	-37.9% Weak ↓ Weak Declining Year-over-year change in net income	72.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-115.8% Weak ↓ Weak Declining Year-over-year change in net income	-36.3% Weak ↑ Weak Improving Year-over-year change in net income	-95.2% Weak ↑ Weak Improving Year-over-year change in net income	-81.5% Weak Weak Year-over-year change in net income	-1286.2% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	15.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	4.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	4.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	-3.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-114%)	-3.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	—	—	—	—	—
Effective Tax Rate (%) (%)	-3.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	-1.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-7.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	-4.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	6.8% Caution Caution Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-5.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-135%)	-16.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-234%)	-6.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-157%)	-5.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-142%)	-4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-136%)	-11.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-198%)	1.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	—	—	—	—	—	1.08x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-10%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	-0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-102%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$22.15	$21.89	$20.26	$17.26	—	—	—	—	—
Basic EPS, GAAP (USD)	$-0.50	$-0.39	$-1.50	$-0.74	$-0.64	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$8.83	$9.19	$9.32	$10.70	$12.78	—	—	—	—
Tangible Book Value per Share (USD)	$-27.90	$-28.09	$-31.09	$-33.68	$-32.88	—	—	—	—
Basic Weighted Avg Shares (shares)	67.94M	63.46M	60.13M	56.83M	47.59M	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	$399.00M	$0.00	$1.50M	—
Total Equity (USD)	$600.22M	$583.22M	$560.41M	$608.10M	$608.38M	$367.78M	$73.28M	$-63.70M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$1.50B	$1.39B	$1.22B	$980.72M	—	—	—	—	—
Depreciation Expense (USD)	$127.83M	$108.92M	$98.40M	$4.62M	$2.79M	$1.13M	$542.00K	$508.00K	—
Net Income, GAAP (USD)	$-33.81M	$-24.52M	$-90.14M	$-41.77M	$-30.65M	$-15.70M	$-8.65M	$-624.00K	—
Operating Cash Flow (USD)	$-29.42M	$51.45M	$44.64M	$-2.46M	$40.13M	$36.82M	$12.01M	$11.79M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 33 quarters

Baldwin Insurance Group, Inc.

Analytical Summary

9-Year Financial Trajectory

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