Aon PLC (AON)vsThe Baldwin Insurance Group, Inc. (BWIN)
AON
Aon PLC
$321.45
-1.71%
FINANCIAL SERVICES · Cap: $69.09B
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Aon PLC generates 1042% more annual revenue ($17.18B vs $1.50B). AON leads profitability with a 21.5% profit margin vs -2.3%. AON earns a higher WallStSmart Score of 68/100 (B-).
AON
Strong Buy68
out of 100
Grade: B-
BWIN
Avoid32
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+61.0%
Fair Value
$795.60
Current Price
$321.45
$474.15 discount
Intrinsic value data unavailable for BWIN.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 47 in profit
Strong operational efficiency at 31.4%
Earnings expanding 138.3% YoY
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Reasonable price relative to book value
Areas to Watch
3.7% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
ROE of -5.2% — below average capital efficiency
Earnings declined 39.4%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AON
The strongest argument for AON centers on Return on Equity, Operating Margin, EPS Growth. Profitability is solid with margins at 21.5% and operating margin at 31.4%.
Bull Case : BWIN
The strongest argument for BWIN centers on Price/Book.
Bear Case : AON
The primary concerns for AON are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : BWIN
The primary concerns for BWIN are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
AON profiles as a value stock while BWIN is a turnaround play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
BWIN is growing revenue faster at 5.3% — sustainability is the question.
AON generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
AON scores higher overall (68/100 vs 32/100), backed by strong 21.5% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aon PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Aon plc is a multinational professional services firm that sells a range of financial risk-mitigation products, including insurance, pension administration, and health-insurance plans.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
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