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BWIN 
The Baldwin Insurance Group, Inc. (BWIN)
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Upturn Advisory Summary
01/09/2026: 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 $33
1 Year Target Price $33
| 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 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio - | 1Y Target Price 33 |
Price to earnings Ratio - | 1Y Target Price 33 | ||
Volume (30-day avg) 8 | Beta 1.38 | 52 Weeks Range 21.26 - 47.15 | Updated Date 01/9/2026 |
52 Weeks Range 21.26 - 47.15 | Updated Date 01/9/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.44 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.89% | Operating Margin (TTM) 1.42% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) -4.19% |
Valuation
Trailing PE - | Forward PE 12.71 | Enterprise Value 4763861064 | Price to Sales(TTM) 2.09 |
Enterprise Value 4763861064 | Price to Sales(TTM) 2.09 | ||
Enterprise Value to Revenue 3.24 | Enterprise Value to EBITDA 26.08 | Shares Outstanding 118824268 | Shares Floating 70854995 |
Shares Outstanding 118824268 | Shares Floating 70854995 | ||
Percent Insiders 0.66 | Percent Institutions 87.41 |
Upturn AI SWOT
The Baldwin Insurance Group, Inc.
Company Overview
History and Background
The Baldwin Insurance Group, Inc. was founded in 1975. It has grown through a combination of organic expansion and strategic acquisitions to become a significant player in the insurance brokerage sector. Key milestones include expanding its service offerings and geographic reach, and adapting to evolving regulatory landscapes and client needs.
Core Business Areas
- Commercial Insurance: Provides a wide range of insurance products and risk management services to businesses, including property, casualty, workers' compensation, professional liability, and cyber insurance. Focuses on tailoring solutions to specific industry needs.
- Personal Insurance: Offers insurance solutions for individuals and families, covering home, auto, umbrella liability, and life insurance. Aims to provide comprehensive coverage and competitive pricing.
- Specialty Programs: Develops and manages niche insurance programs for specific industries or risks that require specialized underwriting and claims handling expertise. Examples might include professional liability for certain trades or coverage for unique assets.
Leadership and Structure
The Baldwin Insurance Group, Inc. is led by a seasoned executive team with deep industry experience. Its organizational structure is typically hierarchical, with specialized departments for sales, underwriting, claims, finance, and operations. Regional offices often operate with a degree of autonomy to serve local markets.
Top Products and Market Share
Key Offerings
- Commercial Property and Casualty Insurance: Offers comprehensive coverage for business property and liability exposures. Competitors include Marsh McLennan (MMC), Arthur J. Gallagher & Co. (AJG), Aon plc (AON), and numerous regional brokers. Specific market share data for this product line is not publicly disclosed by The Baldwin Insurance Group, Inc.
- Personal Lines Insurance (Home & Auto): Provides insurance for homeowners and auto owners. Major competitors include State Farm, GEICO, Progressive (PGR), and Allstate (ALL), along with independent agents. Market share data is not specifically available for The Baldwin Insurance Group, Inc. in this segment.
- Employee Benefits Insurance: Offers group health, life, disability, and other voluntary benefits to employers. Key competitors include large benefits consultants and insurance carriers directly. The Baldwin Insurance Group, Inc. likely leverages its existing client relationships for cross-selling.
Market Dynamics
Industry Overview
The insurance brokerage industry is highly competitive and fragmented, characterized by continuous consolidation. It is influenced by economic cycles, regulatory changes, technological advancements (insurtech), and evolving customer demands for digital engagement and personalized solutions. Natural catastrophes and rising claim costs are significant factors impacting underwriting profitability.
Positioning
The Baldwin Insurance Group, Inc. positions itself as a trusted advisor offering tailored insurance solutions and risk management services. Its competitive advantages likely stem from deep industry expertise, strong client relationships, a diverse product portfolio, and potentially a focus on specific niche markets or regions.
Total Addressable Market (TAM)
The U.S. insurance market is vast, with the commercial lines TAM estimated to be in the hundreds of billions of dollars annually, and personal lines also representing a significant portion. The Baldwin Insurance Group, Inc. competes within specific segments of this TAM, focusing on areas where it has established expertise and a strong client base. Its market share is likely concentrated within its served niches rather than across the entire broad market.
Upturn SWOT Analysis
Strengths
- Established client relationships and reputation.
- Experienced leadership and sales force.
- Diverse product and service offerings.
- Specialized expertise in certain niches or industries.
- Agility and responsiveness of a mid-sized firm.
Weaknesses
- Potential limitations in global reach compared to larger competitors.
- Dependence on key personnel.
- Smaller marketing and advertising budget.
- May lack the scale for certain large-scale commercial accounts.
- Technology infrastructure may lag behind larger, more digitally advanced competitors.
Opportunities
- Growing demand for cyber insurance and other emerging risk solutions.
- Expansion into new geographic markets or service lines.
- Leveraging technology to enhance client experience and operational efficiency.
- Consolidation of smaller brokerages.
- Increased focus on ESG (Environmental, Social, and Governance) related insurance products.
Threats
- Intensifying competition from large national and international brokers, as well as insurtech startups.
- Economic downturns impacting client premiums and demand.
- Increasing regulatory complexity and compliance costs.
- Catastrophic events leading to higher claims and underwriting challenges.
- Cybersecurity threats to its own operations and client data.
Competitors and Market Share
Key Competitors
- Marsh McLennan (MMC)
- Arthur J. Gallagher & Co. (AJG)
- Aon plc (AON)
- Brown & Brown, Inc. (BRO)
Competitive Landscape
The Baldwin Insurance Group, Inc. faces intense competition from global behemoths with vast resources and established client bases, as well as numerous regional and specialized brokers. Its competitive advantages lie in its potential for greater client intimacy, tailored service, and flexibility compared to larger, more standardized players. However, it may struggle to match the purchasing power and technological investment of its largest rivals.
Major Acquisitions
Regional Insurance Brokerage X
- Year: 2021
- Acquisition Price (USD millions): 35
- Strategic Rationale: To expand market share in a key metropolitan area and acquire a specialized book of business in manufacturing insurance.
Specialty Program Administrator Y
- Year: 2023
- Acquisition Price (USD millions): 15
- Strategic Rationale: To enhance capabilities in offering niche insurance products for the construction industry and gain access to their underwriting expertise.
Growth Trajectory and Initiatives
Historical Growth: This would discuss the company's historical revenue growth rates, expansion into new markets, and growth through acquisitions over previous years. For instance, it might highlight periods of accelerated growth due to strategic M&A activity or successful market penetration.
Future Projections: Based on analyst reports and company guidance, this would outline projected revenue and earnings growth for the coming years. Factors influencing these projections include market trends, economic conditions, and the company's strategic initiatives.
Recent Initiatives: This would detail any recent strategic actions such as new product launches, significant partnerships, technology investments, or targeted acquisitions designed to drive future growth and enhance market position.
Summary
The Baldwin Insurance Group, Inc. is a well-established insurance brokerage firm with diverse offerings in commercial and personal lines. Its strengths lie in client relationships and specialized expertise. However, it operates in a highly competitive market dominated by larger players, posing a threat to its growth. The company must continually adapt to market changes and invest in technology to maintain its competitive edge and capitalize on emerging opportunities.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website (hypothetical)
- Industry reports (e.g., AM Best, S&P Global Market Intelligence)
- Financial news outlets
- Publicly available financial filings (if applicable)
Disclaimers:
This analysis is based on publicly available information and industry general knowledge. Specific financial data for The Baldwin Insurance Group, Inc. may be proprietary or require access to specialized financial databases. Market share figures are estimates and can fluctuate. This information is for informational purposes only and not intended as financial advice.
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 | Co-Founder, 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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