Aon PLC (AON)vsThe Baldwin Insurance Group, Inc. (BWIN)
AON
Aon PLC
$302.69
-1.65%
FINANCIAL SERVICES · Cap: $64.21B
BWIN
The Baldwin Insurance Group, Inc.
$29.65
+0.88%
FINANCIAL SERVICES · Cap: $2.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Aon PLC generates 911% more annual revenue ($17.58B vs $1.74B). AON leads profitability with a 22.3% profit margin vs -4.7%. AON earns a higher WallStSmart Score of 58/100 (C).
AON
Buy58
out of 100
Grade: C
BWIN
Hold39
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 23.5%
Revenue surging 30.1% year-over-year
Areas to Watch
Expensive relative to growth rate
2.2% revenue growth
Elevated debt levels
Earnings declined 3.0%
Operating margin of 2.0%
Weak financial health signals
ROE of -4.7% — below average capital efficiency
Earnings declined 90.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : AON
The strongest argument for AON centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 22.3% and operating margin at 23.5%.
Bull Case : BWIN
The strongest argument for BWIN centers on Revenue Growth. Revenue growth of 30.1% demonstrates continued momentum.
Bear Case : AON
The primary concerns for AON are PEG Ratio, Revenue Growth, Debt/Equity. Debt-to-equity of 1.64 is elevated, increasing financial risk.
Bear Case : BWIN
The primary concerns for BWIN are Operating Margin, Piotroski F-Score, Return on Equity. Debt-to-equity of 3.04 is elevated, increasing financial risk.
Key Dynamics to Monitor
AON profiles as a value stock while BWIN is a hypergrowth play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.03 — expect wider price swings.
BWIN is growing revenue faster at 30.1% — sustainability is the question.
AON generates stronger free cash flow (483M), providing more financial flexibility.
Bottom Line
AON scores higher overall (58/100 vs 39/100), backed by strong 22.3% margins. Both earn "Buy" and "Hold" 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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