WallStSmart

The Baldwin Insurance Group, Inc. (BWIN)vsWillis Towers Watson PLC (WTW)

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Smart Verdict

WallStSmart Research — data-driven comparison

Willis Towers Watson PLC generates 545% more annual revenue ($9.71B vs $1.50B). WTW leads profitability with a 16.5% profit margin vs -2.3%. WTW earns a higher WallStSmart Score of 62/100 (C+).

BWIN

Avoid

32

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 5.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.64

WTW

Buy

62

out of 100

Grade: C+

Growth: 2.7Profit: 8.0Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 0.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BWIN.

WTWSignificantly Overvalued (-153.5%)

Margin of Safety

-153.5%

Fair Value

$110.50

Current Price

$289.51

$179.01 premium

UndervaluedFair: $110.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BWIN1 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

WTW2 strengths · Avg: 9.5/10
Operating MarginProfitability
35.4%10/10

Strong operational efficiency at 35.4%

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Areas to Watch

BWIN4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-5.2%2/10

ROE of -5.2% — below average capital efficiency

EPS GrowthGrowth
-39.4%2/10

Earnings declined 39.4%

Free Cash FlowQuality
$-84,0002/10

Negative free cash flow — burning cash

WTW3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

EPS GrowthGrowth
-38.2%2/10

Earnings declined 38.2%

Altman Z-ScoreHealth
0.912/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BWIN

The strongest argument for BWIN centers on Price/Book.

Bull Case : WTW

The strongest argument for WTW centers on Operating Margin, Return on Equity. Profitability is solid with margins at 16.5% and operating margin at 35.4%. PEG of 1.08 suggests the stock is reasonably priced for its growth.

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.

Bear Case : WTW

The primary concerns for WTW are Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BWIN profiles as a turnaround stock while WTW is a declining 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.

WTW generates stronger free cash flow (708M), providing more financial flexibility.

Bottom Line

WTW scores higher overall (62/100 vs 32/100), backed by strong 16.5% margins. Both earn "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.

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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Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.

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