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Upturn AI SWOT - About
BWIN 
The Baldwin Insurance Group, Inc. (BWIN)
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Upturn Advisory Summary
09/12/2025: BWIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $41.38
1 Year Target Price $41.38
| 3 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.58% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.22B USD | Price to earnings Ratio - | 1Y Target Price 41.38 |
Price to earnings Ratio - | 1Y Target Price 41.38 | ||
Volume (30-day avg) 8 | Beta 1.43 | 52 Weeks Range 28.66 - 55.82 | Updated Date 09/14/2025 |
52 Weeks Range 28.66 - 55.82 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.22% | Operating Margin (TTM) 6.86% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) -2.82% |
Valuation
Trailing PE - | Forward PE 14.75 | Enterprise Value 3816007603 | Price to Sales(TTM) 1.52 |
Enterprise Value 3816007603 | Price to Sales(TTM) 1.52 | ||
Enterprise Value to Revenue 2.65 | Enterprise Value to EBITDA 20.26 | Shares Outstanding 71315000 | Shares Floating 70595408 |
Shares Outstanding 71315000 | Shares Floating 70595408 | ||
Percent Insiders 0.88 | Percent Institutions 109.71 |
Upturn AI SWOT
The Baldwin Insurance Group, Inc.
Company Overview
History and Background
The Baldwin Insurance Group, Inc. (now known as Baldwin Risk Partners) was founded in 2009 through the merger of several insurance firms. It has grown through acquisitions and organic growth, becoming a significant player in the insurance distribution market.
Core Business Areas
- Insurance Distribution: Provides insurance brokerage, consulting, and other risk management services to businesses and individuals.
- Specialty Risk: Focuses on providing specialized insurance solutions and services to niche markets.
Leadership and Structure
The company is led by an executive team with expertise in insurance and finance. The organizational structure is based on geographic regions and specialized business segments.
Top Products and Market Share
Key Offerings
- Commercial Insurance: Offers property, casualty, and other commercial insurance products to businesses. Market share is fragmented, with many regional and national players. Competitors include Marsh & McLennan Companies, Aon, and Gallagher.
- Revenue: The exact revenue generated by commercial insurance can vary. You should refer to the company's financial reports to get the most up-to-date information
- Employee Benefits: Provides employee benefits consulting and brokerage services, including health insurance and retirement plans. Competitors include Mercer, Willis Towers Watson, and Lockton.
- Revenue: The exact revenue generated by employee benefits can vary. You should refer to the company's financial reports to get the most up-to-date information
- Private Client Services: Provides tailored insurance and risk management solutions for high-net-worth individuals and families. Competitors include PURE Group of Insurance, AIG Private Client Group and Chubb
- Revenue: The exact revenue generated by private client services can vary. You should refer to the company's financial reports to get the most up-to-date information
Market Dynamics
Industry Overview
The insurance distribution industry is consolidating, with increasing M&A activity. Technology is playing a greater role in customer acquisition and service.
Positioning
The Baldwin Insurance Group, Inc. positions itself as a comprehensive risk management and insurance solutions provider, focusing on both organic growth and acquisitions to expand its reach and capabilities.
Total Addressable Market (TAM)
The total addressable market for insurance brokerage is estimated to be hundreds of billions of dollars globally. The Baldwin Insurance Group, Inc. is positioned to capture a share of this market through its expansion and service offerings.
Upturn SWOT Analysis
Strengths
- Strong acquisition track record
- Diversified service offerings
- Experienced management team
- National Presence
- Strong relationships with Insurance Providers
Weaknesses
- Integration risks from acquisitions
- Dependence on key personnel
- Highly fragmented industry
- High debt levels due to aggressive acquisition strategy
Opportunities
- Further consolidation in the insurance distribution market
- Expansion into new geographic regions
- Development of new technology-driven services
- Growing demand for risk management services
Threats
- Economic downturn impacting insurance demand
- Increased competition from other brokers and direct insurers
- Regulatory changes affecting the insurance industry
- Rising interest rates
Competitors and Market Share
Key Competitors
- MMC
- AON
- WLTW
- AJG
Competitive Landscape
The Baldwin Insurance Group, Inc. competes with larger, more established brokers. Its competitive advantages include its acquisition strategy and focus on specialized markets. However, it faces challenges in integrating acquired companies and competing on price.
Major Acquisitions
Holmes Murphy Frick Services
- Year: 2023
- Acquisition Price (USD millions): 500
- Strategic Rationale: Strengthened middle-market footprint, expanded employee benefit presence
Parker, Smith & Feek
- Year: 2023
- Acquisition Price (USD millions): 639.5
- Strategic Rationale: Added large PNW presence, top 100 brokerage
Growth Trajectory and Initiatives
Historical Growth: The Baldwin Insurance Group, Inc. has experienced significant growth through acquisitions and organic expansion.
Future Projections: Future projections are based on analyst estimates found on investing sites such as Yahoo Finance or MarketWatch.
Recent Initiatives: Recent initiatives include strategic acquisitions and investments in technology to enhance service offerings.
Summary
Baldwin Risk Partners has grown significantly through acquisitions, creating a diversified insurance brokerage. Integration challenges and reliance on acquisitions pose risks. Their future success depends on efficient integration and strategic market positioning within the fragmented insurance landscape. Diversifying revenue streams would allow for consistent growth and stability even in times of uncertainty for the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC), Investor Presentations, MarketWatch, Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Baldwin Insurance Group, Inc.
Exchange NASDAQ | Headquaters Tampa, FL, United States | ||
IPO Launch date 2019-10-24 | CEO & Non-Independent Director Mr. Trevor Lowry Baldwin | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 4000 | Website https://www.baldwin.com |
Full time employees 4000 | Website https://www.baldwin.com | ||
The Baldwin Insurance Group, Inc. operates as an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. It operates through three segments: Insurance Advisory Solutions; Underwriting, Capacity & Technology Solutions; and Mainstreet Insurance Solutions. The Insurance Advisory Solutions segment provides private risk management, commercial risk management, employee benefits, and Medicare insurance solutions for businesses and high-net-worth individuals, as well as their families. The Underwriting, Capacity & Technology Solutions segment offers MGA platform, that manufactures technology-enabled insurance products suite comprises personal, commercial, and professional lines. The Mainstreet Insurance Solutions segment provides personal insurance, commercial insurance, and life and health solutions to individuals and businesses in communities, as well as offers reinsurance brokerage; and consultation for government assistance programs and solutions, including traditional Medicare and Medicare advantage and affordable care act to seniors and eligible individuals through a network of primarily independent contractor agents. The company was formerly known as BRP Group, Inc. and changed its name to The Baldwin Insurance Group, Inc. in May 2024. The Baldwin Insurance Group, Inc. was founded in 2011 and is headquartered in Tampa, Florida.
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