WallStSmart

The Baldwin Insurance Group, Inc. (BWIN)vsMarsh & McLennan Companies Inc (MMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 1529% more annual revenue ($26.45B vs $1.62B). MMC leads profitability with a 0.2% profit margin vs -2.8%. MMC earns a higher WallStSmart Score of 62/100 (C+).

BWIN

Hold

39

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 5.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.65

MMC

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 4.0Value: 5.0Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BWIN2 strengths · Avg: 8.0/10
Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
28.7%8/10

Revenue surging 28.7% year-over-year

MMC2 strengths · Avg: 8.5/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

Areas to Watch

BWIN4 concerns · Avg: 2.5/10
Market CapQuality
$1.77B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-4.7%2/10

ROE of -4.7% — below average capital efficiency

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

MMC4 concerns · Avg: 4.0/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BWIN

The strongest argument for BWIN centers on Price/Book, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum.

Bull Case : MMC

The strongest argument for MMC centers on Market Cap, Free Cash Flow.

Bear Case : BWIN

The primary concerns for BWIN are Market Cap, Piotroski F-Score, Return on Equity. Debt-to-equity of 2.67 is elevated, increasing financial risk.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, Revenue Growth, EPS Growth. Thin 0.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

BWIN profiles as a growth stock while MMC is a value play — different risk/reward profiles.

BWIN carries more volatility with a beta of 1.15 — expect wider price swings.

BWIN is growing revenue faster at 28.7% — sustainability is the question.

MMC generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

MMC scores higher overall (62/100 vs 39/100). 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.

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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Marsh & McLennan Companies Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

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