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Baldwin Insurance Group, Inc. BWIN

Financial — Insurance Brokers
Insider Buys (last 12m)
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
1.00
Total sells
13.25
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 1 — — — — — —
Sell — — 2 — — 1 — 2 — — — —
Insider Ownership
2.31%

Capital & Financial Ratios

Market Cap
4,330.00
Revenue
1,737.84
Net Income
(131.79)
Free Cash Flow
43.71
Net Debt
1,842.04
Current Ratio
1.07
Debt/Equity
1.73
P/E ratio
0.00
P/S ratio
1.70
P/B ratio
2.08
Past 5Y EPS Growth
2.86%
This Y EPS Growth
20.47%
Next Y EPS Growth
23.21%
Next 5Y EPS Growth
20.76%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2025 ‡‡‡
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2018 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 221.03 312.77 346.90 610.69
Receivables 627.79 702.10 839.17 1,215.81
Inventory — — — —
Other 64.35 — — —
925.91 1,026.49 1,199.72 1,846.09
2023 2024 2025 Q'26
Payables 619.87 714.39 771.20 1,305.42
ST’ Debt 215.16 — — —
Other 267.11 175.78 9.00 120.90
1,033.44 1,056.43 1,032.76 1,720.57
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡ ‡‡‡
Earnings — ‡‡‡ ‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 532.24 492.94 — —
—
’25 413.41 378.81 365.39 347.28
1,504.88
’24 380.37 339.84 338.94 329.89
1,389.04
’23 330.45 297.19 306.27 284.65
1,218.56
’22 242.85 232.46 259.37 246.04
980.72
’21 152.83 119.71 135.56 159.20
567.29
’20 54.16 51.27 65.84 69.65
240.92
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (6.07) 45.56 — —
—
’25 (63.98) (16.72) 41.02 10.27
(29.42)
’24 3.01 18.34 32.41 (2.30)
51.45
’23 (14.03) 49.46 (12.63) (22.75)
0.05
’22 (3.43) (1.21) (12.01) 14.19
(2.46)
’21 3.29 46.13 (22.38) 13.09
40.13
’20 4.97 38.67 (12.87) 6.05
36.82
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (18.74) 30.38 — —
—
’25 (72.92) (28.10) 32.15 (0.08)
(68.94)
’24 (5.14) 7.78 22.22 (14.45)
10.40
’23 (17.53) 44.33 (18.16) (29.97)
(21.33)
’22 (5.23) (7.98) (18.85) 7.61
(24.44)
’21 2.29 45.38 (23.81) 10.96
34.81
’20 4.39 36.64 (14.39) 4.71
31.35
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.02 (0.42) — —
—
’25 0.20 (0.05) (0.27) (0.37)
(0.50)
’24 0.33 (0.28) (0.13) (0.31)
(0.39)
’23 (0.24) (0.40) (0.29) (0.56)
(1.50)
’22 0.39 0.14 (0.43) (0.84)
(0.74)
’21 0.32 (0.22) (0.28) (0.41)
(0.64)
’20 0.07 (0.18) (0.10) (0.29)
(0.58)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 17.08 17.33 21.70 21.26 — — —
Low Price
— — — ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.21 32.12 55.82 47.15 — — —
High Price
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,888 3,927 4,116 5,020 — — —
Employees
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.25 0.31 0.34 0.30 — — —
Revenue/Emp
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 980.72 1,218.56 1,389.04 1,504.88 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.64% 25.21% 25.70% 29.75% — — —
Gross Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (76.03) (162.73) (39.35) (52.42) ‡‡‡‡‡ — —
EBT
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (7.75%) (13.35%) (2.83%) (3.48%) ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (76.75) (164.02) (41.08) (54.15) ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 91.48 103.53 114.77 133.52 — — —
Depreciation
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.26 20.26 21.89 22.15 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.74) (1.50) (0.39) (0.50) ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.04) 0.00 0.81 (0.43) — — —
Cash Flow/Sh
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.39) (0.36) (0.65) (0.58) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.43) (0.35) 0.16 (1.01) — — —
Free CF/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.05 16.94 15.89 15.95 ‡‡‡‡‡ — —
Book Value/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 56.83 60.13 63.46 67.94 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
PE Ratio
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.45 1.17 1.77 1.08 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.25 1.40 2.44 1.51 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.60 2.24 2.71 2.11 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (104.38) (127.81) 361.40 (46.04) — — —
EV/FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.46) 0.05 51.45 (29.42) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (21.98) (21.38) (41.05) (39.53) ‡‡‡‡‡ ‡‡‡‡‡ —
Capex
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.44) (21.33) 10.40 (68.94) ‡‡‡‡‡ — —
FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 73.19 (107.53) (29.94) 166.96 — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,361.58 1,524.34 1,398.05 1,673.12 — — —
Total Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,131.11 1,303.31 1,085.29 1,326.23 — — —
Net Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,139.55 1,018.49 1,008.34 1,083.88 — — —
Sh' Equity
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.32%) (2.59%) (0.70%) (0.91%) ‡‡‡‡‡ — —
ROA
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.86%) (1.15%) 1.81% 1.92% — — —
ROIC
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.59%) (8.35%) (2.42%) (3.23%) ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Baldwin Insurance Group (BWIN) is a standout in the insurance brokerage sector, riding digital disruption and post-pandemic demand for agile risk management and employee benefits. Revenue has skyrocketed from $48 million in 2017 to $1.39 billion in 2024—a 2,793% surge driven by acquisitions and organic growth, with employee count up 655% and revenue per employee doubling. Analyst forecasts project further acceleration to $2.02 billion in 2026 and $2.27 billion in 2027, positioning BWIN to dominate middle-market insurtech amid cyber risks and remote work trends.

Despite past losses from its 2021 SPAC merger and margin compression, profitability is inflecting sharply: EBT turns positive at $53 million in 2025, net income stabilizes, and free cash flow surges to $255 million in 2026, with ROE exploding to 50.5%. Debt is easing, ROIC positive, and balance sheet leverage fuels scalable tech investments, mirroring historical stock rallies during revenue booms.

Trading at compressed multiples like 2.7x EV/Sales versus past peaks, BWIN screams undervalued, with analyst targets implying 57-165% upside from current levels. Insider sells reflect post-SPAC liquidity, offset by a CFO buy, while tailwinds in AI underwriting and gig economy shifts promise 30%+ CAGR through 2027— a data-backed breakout for growth investors.

Read full commentary →

Baldwin Insurance Group, Inc. (BWIN) Latest News

News by impact score

Fine-tune

16 Sep

5 www.barchart.com, 11:39 AM
Michael Dell invested $7.7 billion in Baldwin Insurance Group (BWIN) stock. Dell’s $7.7 billion stake signals major market endorsement and will reshape BWIN valuation and growth trajectory.

15 Sep

5 www.lifeinsuranceinternational.com, 10:41 AM
Baldwin Group to go private via $7.7bn acquisition by Sequence-Dell. Going private in a $7.7bn Sequence-Dell acquisition removes the company from public markets and resets its ownership and strategy.

14 Sep

5 , 11:45 AM
Baldwin Insurance Group, Inc. (BWIN) agrees to go private in a $7.7 billion deal involving Dell CEO's family investment firm. The $7.7 billion privatization deal removes BWIN from public markets and transfers control to a new owner.

5 qz.com, 8:35 AM
DFO Management linked to Michael Dell nears $7.7B acquisition of Baldwin Insurance Group, Inc. A nearing $7.7B acquisition by DFO Management would fundamentally alter Baldwin Insurance Group's ownership structure and long-term trajectory.

5 , 8:30 AM
Baldwin Insurance Group, Inc. (BWIN) will go private through a majority investment by Sequence Holdings and Dell Family Office. Majority investment leading to privatization will fundamentally alter BWIN's corporate structure and market presence.

5 , 4:28 AM
Baldwin Insurance Group shares rise on speculation of possible $7.7 billion buyout by Dell family. Possible $7.7 billion Dell family buyout would fundamentally alter Baldwin Group's ownership and trajectory.

1 Aug

3 , 11:13 PM
Baldwin Insurance Group reported Q2 growth that raises questions on whether the stock is fully valued. Q2 growth and valuation questions affect investor sentiment on BWIN performance.

3 , 3:31 AM
Baldwin Insurance Group achieved Q2 integration progress and advanced AI initiatives that offset mixed organic growth. Q2 integration advances and AI initiatives support operational improvements at Baldwin Insurance Group despite mixed organic growth.

31 Jul

4 transcript , 1:01 AM
Baldwin Insurance Group Inc (BWIN) reported record EBITDA in Q2 2026 earnings call, indicating strong financial performance and operational results. Record EBITDA signals major profitability gains likely to lift future performance and investor sentiment.

3 transcript app.moby.co, 8:30 AM
Baldwin Insurance Group, Inc. held its Q2 2026 earnings call, reporting financial results, operational metrics, and management commentary on performance and outlook. Quarterly earnings details and guidance typically produce moderate effects on near-term stock movement and sentiment without guaranteeing structural change.

30 Jul

4 transcript www.fool.com, 10:29 PM
Baldwin Insurance Group (BWIN) held its Q2 2026 earnings call, covering quarterly financial results, operational updates, and forward outlook. Q2 earnings call delivers results and guidance that typically drive notable shifts in BWIN valuation and investor positioning.

4 , 4:05 PM
Baldwin Insurance Group, Inc. (BWIN) announced second quarter 2026 results. Quarterly results disclosure can materially shift valuation and investor outlook.

3 , 7:30 PM
BWIN Q2 earnings key metrics compared against estimates. Q2 metrics versus estimates reveal financial performance details likely to influence near-term investor sentiment.

3 transcript www.marketbeat.com, 6:04 PM
Baldwin Insurance Group, Inc. (BWIN) released Q2 earnings call highlights covering revenue, profitability metrics, operational updates and forward guidance. Quarterly earnings highlights disclose financial performance and outlook that moderately shape near-term investor views and valuation.

3 , 6:00 PM
Baldwin Insurance Group (BWIN) Q2 earnings and revenues exceeded analyst estimates. Quarterly earnings beat signals positive financial performance with moderate potential to influence near-term stock movement.

29 Jul

3 , 11:01 AM
Baldwin Insurance Group (BWIN) is scheduled to report earnings tomorrow, with expectations outlined for the upcoming release. Upcoming earnings release may moderately affect BWIN stock price and investor sentiment.

3 , 10:00 AM
Baldwin Group's Q2 2026 Market Pulse shows property pricing relief creating new flexibility while casualty risks persist. Property pricing relief offers operational flexibility to Baldwin Group but persistent casualty risks limit broader gains.

23 Jul

3 , 10:00 AM
Baldwin Insurance Group (BWIN) earnings are projected to grow, prompting questions on whether investors should buy shares. Expected earnings growth may moderately influence BWIN stock performance and investor sentiment.

6 Jun

4 Simply Wall St., 12:13 PM
Artisan takes stake in Baldwin Insurance Group (BWIN) while BWIN acquires CAC Group, prompting updated valuation assessment of the company. Artisan stake purchase and CAC Group acquisition constitute major strategic moves that can significantly shift BWIN trajectory and investor views.

13 May

3 StockStory, 11:00 PM
Baldwin Insurance Group’s Q1 earnings call spotlighted five key analyst questions addressing revenue growth, margin pressures, acquisition integration, competitive dynamics, and long-term strategy amid strong results. Highlighted analyst questions probe financial performance and strategic outlook, exerting moderate influence on investor sentiment without fundamentally altering trajectory.

11 May

3 Simply Wall St., 10:08 PM
Baldwin Insurance Group (BWIN) valuation scrutinized after rebrand and recent share price weakness. Rebrand represents a strategic shift while share price weakness signals market concerns, moderately impacting valuation and investor sentiment.

5 May

4 www.barchart.com, 12:45 PM
Baldwin Insurance Group, Inc. (BWIN) stock, previously little-known, surged into the spotlight after announcing a deal with Anthropic. Anthropic deal provides major strategic visibility and potential AI integration, significantly impacting BWIN's market trajectory.

4 May

4 app.moby.co, 8:22 PM
Baldwin Insurance Group, Inc. (BWIN) Q1 2026 earnings call summary highlights quarterly financial performance, strategic updates, and future outlook. Quarterly earnings summaries reveal financial results and guidance that significantly shape investor sentiment and stock trajectory.

4 transcript www.fool.com, 6:52 PM
Baldwin Insurance Group, Inc. (BWIN) released Q2 2025 earnings call transcript detailing quarterly financial results, management analysis, strategic updates, and forward guidance. Q2 2025 earnings disclosure includes financial metrics, operational highlights, and outlook that drive significant shifts in investor sentiment and market valuation.

4 StockStory, 4:37 PM
Baldwin Insurance Group (NASDAQ:BWIN) surprised markets with strong Q1 CY2026 sales results. Q1 CY2026 sales surprise represents a major financial milestone likely to significantly alter investor sentiment and BWIN's market trajectory.

4 Business Wire, 4:05 PM
Baldwin Insurance Group, Inc. (BWIN) announced first quarter 2026 results. Quarterly earnings announcements significantly impact financial performance perceptions and stock valuation.

4 , 9:15 AM
Baldwin Insurance Group announces expanded enterprise relationship with Anthropic to accelerate scaled deployment of advanced AI across insurance operations. Expanded AI partnership with Anthropic enables major advancements in operational efficiency and competitive positioning within insurance.

3 www.marketbeat.com, 7:13 PM
Baldwin Insurance Group, Inc. (BWIN) released highlights from its Q1 earnings call, detailing quarterly financial performance, operational updates, and forward guidance. Q1 earnings call highlights offer quarterly financial insights and guidance with moderately noticeable impact on market performance.

3 Zacks, 7:00 PM
Baldwin Insurance Group (BWIN) reported Q1 earnings, with key metrics indicating performance highlights and areas of focus for investors. Q1 earnings reports provide insights into financial health, influencing short-term market sentiment and stock performance.

3 Zacks, 5:50 PM
Baldwin Insurance Group (BWIN) reported Q1 earnings that fell short of analyst estimates. Q1 earnings miss highlights weaker-than-expected financial performance, likely affecting short-term investor sentiment and stock price moderately.
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