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Upturn AI SWOT - About
BWIN 
The Baldwin Insurance Group, Inc. (BWIN)
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Upturn Advisory Summary
10/15/2025: 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 $38
1 Year Target Price $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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.88B USD | Price to earnings Ratio - | 1Y Target Price 38 |
Price to earnings Ratio - | 1Y Target Price 38 | ||
Volume (30-day avg) 8 | Beta 1.39 | 52 Weeks Range 23.69 - 55.70 | Updated Date 10/16/2025 |
52 Weeks Range 23.69 - 55.70 | Updated Date 10/16/2025 | ||
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 13.21 | Enterprise Value 3585660231 | Price to Sales(TTM) 1.28 |
Enterprise Value 3585660231 | Price to Sales(TTM) 1.28 | ||
Enterprise Value to Revenue 2.49 | Enterprise Value to EBITDA 19.04 | Shares Outstanding 71314976 | Shares Floating 70588276 |
Shares Outstanding 71314976 | Shares Floating 70588276 | ||
Percent Insiders 0.89 | Percent Institutions 109.5 |
Upturn AI SWOT
The Baldwin Insurance Group, Inc.
Company Overview
History and Background
The Baldwin Insurance Group, Inc., formerly known as BB&T Insurance Holdings, was founded in 2009 as a subsidiary of BB&T Corporation (now Truist Financial). It became an independent entity in 2020 through a strategic investment by StonePoint Capital, marking a significant shift in its operational strategy and growth trajectory.
Core Business Areas
- Retail Agency: Offers a wide range of insurance products and services to individuals and families, including auto, home, life, and health insurance. It also works with clients to evaluate their risks, offer advice, and sell coverage to help mitigate them.
- Wholesale Brokerage: Connects retail insurance agencies with specialty insurance markets, providing access to niche products and expertise. Wholesale insurance brokers act as intermediaries between insurance agencies and carriers to find coverage for risks that may be challenging to place.
- Program Management: Designs, underwrites, and distributes specialized insurance programs for specific industries or groups, offering tailored solutions and risk management services.
Leadership and Structure
The company is led by a management team with experience in the insurance and financial services industries. The organizational structure consists of various divisions focused on retail, wholesale, and program management, with centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Property and Casualty Insurance: Provides coverage for businesses against property damage, liability claims, and other risks. Competitors include Marsh McLennan, Aon, and Gallagher. Specific market share data is difficult to pinpoint, but Baldwin is a significant player in the independent agency space.
- Employee Benefits: Offers group health, dental, and vision insurance, as well as retirement planning services. Competitors include Mercer, Willis Towers Watson, and Aon. Market data difficult to obtain, but Baldwin benefits from client relationships.
- Personal Lines Insurance: Provides homeowners, auto, and life insurance to individuals. Competitors include State Farm, Progressive, and Allstate. Market data difficult to obtain as this is a smaller part of their business than commercial insurance.
Market Dynamics
Industry Overview
The insurance brokerage industry is fragmented and competitive, experiencing growth due to increased demand for risk management solutions and regulatory compliance. Consolidation is also a significant trend, with larger firms acquiring smaller agencies.
Positioning
The Baldwin Insurance Group positions itself as a leading independent insurance brokerage and consulting firm, with a focus on providing customized solutions and building long-term client relationships. The company has built its strong position by acquiring a large number of small insurance brokers to give it scale.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated to be worth hundreds of billions of dollars. Baldwin is positioned to capture a share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Diverse product and service offerings
- Strong relationships with insurance carriers
- Experienced management team
- Established brand reputation
- Strategic acquisition strategy
Weaknesses
- Integration risks associated with acquisitions
- Exposure to economic cycles
- Dependence on key personnel
- Competition from larger brokers
- Complexity of insurance regulations
Opportunities
- Continued consolidation in the insurance brokerage industry
- Expansion into new geographic markets
- Development of new products and services
- Leveraging technology to improve efficiency
- Increasing demand for risk management solutions
Threats
- Economic downturns
- Changes in insurance regulations
- Increased competition
- Cybersecurity risks
- Natural disasters
Competitors and Market Share
Key Competitors
- MMC
- AON
- AJG
- WTW
Competitive Landscape
Baldwin is a large, but not dominant, player in a competitive market. Its acquisition strategy allows it to gain market share. MMC, AON, and AJG have deeper resources.
Major Acquisitions
Premier Shield Insurance
- Year: 2023
- Acquisition Price (USD millions): 3.2
- Strategic Rationale: Strengthen Baldwin's presence in the New England area and expand its service capabilities.
Woodruff-Sawyer & Co.
- Year: 2023
- Acquisition Price (USD millions): 475
- Strategic Rationale: Strengthen Baldwin's presence in the West Coast.
Growth Trajectory and Initiatives
Historical Growth: Baldwin has grown significantly through acquisitions and organic growth. Analyze historical revenue and earnings growth rates to assess past performance.
Future Projections: Consult analyst reports and company guidance for projections on future revenue, earnings, and growth rates. Please search Analyst Estimates.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, technology investments, and strategic partnerships. Refer to the company's press releases and investor presentations for more details.
Summary
The Baldwin Insurance Group is a growing company in a fragmented insurance brokerage market. The company has grown through acquisitions which may present integration challenges. However, this strategy also allows them to gain significant market share and diversify their offerings. Economic downturns and regulatory changes are threats to look out for.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Financial News Outlets
- Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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