The Baldwin Insurance Group, Inc. (BWIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
The Baldwin Insurance Group, Inc. stock (BWIN) is currently trading at $21.24. The Baldwin Insurance Group, Inc. PS ratio (Price-to-Sales) is 1.42. Analyst consensus price target for BWIN is $30.22. WallStSmart rates BWIN as Sell.
- BWIN PE ratio analysis and historical PE chart
- BWIN PS ratio (Price-to-Sales) history and trend
- BWIN intrinsic value — DCF, Graham Number, EPV models
- BWIN stock price prediction 2025 2026 2027 2028 2029 2030
- BWIN fair value vs current price
- BWIN insider transactions and insider buying
- Is BWIN undervalued or overvalued?
- The Baldwin Insurance Group, Inc. financial analysis — revenue, earnings, cash flow
- BWIN Piotroski F-Score and Altman Z-Score
- BWIN analyst price target and Smart Rating
The Baldwin Insurance Group, Inc.
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Smart Analysis
The Baldwin Insurance Group, Inc. (BWIN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, institutional own.. Concerns around return on equity and operating margin. Significant fundamental concerns warrant caution or avoidance.
The Baldwin Insurance Group, Inc. (BWIN) Key Strengths (3)
84.91% of shares held by major funds and institutions
Paying $1.42 for every $1 of annual revenue
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
The Baldwin Insurance Group, Inc. (BWIN) Areas to Watch (6)
Company is destroying shareholder value
Losing money on operations
Earnings declining -39.40%, profits shrinking
Company is losing money with a negative profit margin
Premium pricing at 3.6x book value
Modest revenue growth at 5.30%
The Baldwin Insurance Group, Inc. (BWIN) Detailed Analysis Report
Overall Assessment
This company scores 32/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.3/10) while 6 fall into concern territory (avg 1.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Price/Sales, Market Cap. Valuation metrics including Price/Sales (1.42) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, EPS Growth. Some valuation metrics including Price/Book (3.56) suggest expensive pricing. Growth concerns include Revenue Growth at 5.30%, EPS Growth at -39.40%, which may limit upside. Profitability pressure is visible in Return on Equity at -5.17%, Operating Margin at -2.57%, Profit Margin at -2.25%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -5.17% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 5.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BWIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BWIN's Price-to-Sales ratio of 1.42x trades at a deep discount to its historical average of 7.46x (5th percentile). The current valuation is 95% below its historical high of 27.29x set in Nov 2020, and 6% above its historical low of 1.34x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~3.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for The Baldwin Insurance Group, Inc. (BWIN) · FINANCIAL SERVICES › INSURANCE BROKERS
The Big Picture
The Baldwin Insurance Group, Inc. is in a turnaround phase, with management focused on restoring profitability. Revenue reached 1.5B with 5% growth year-over-year. The company is currently unprofitable, posting a -225.0% profit margin.
Key Findings
The company is unprofitable with a -225.0% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -84,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Debt management: total debt of 1.7B is significantly higher than cash (90M). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE BROKERS industry trends, competitive moves, and regulatory changes that could impact The Baldwin Insurance Group, Inc..
Bottom Line
The Baldwin Insurance Group, Inc. is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About The Baldwin Insurance Group, Inc.(BWIN)
NASDAQ
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.