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Upturn AI SWOT - About
The Baldwin Insurance Group, Inc. (BWIN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: BWIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $46.5
Year Target Price $46.5
| 3 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.35% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.02B USD | Price to earnings Ratio - | 1Y Target Price 46.5 |
Price to earnings Ratio - | 1Y Target Price 46.5 | ||
Volume (30-day avg) - | Beta 1.64 | 52 Weeks Range 34.22 - 55.82 | Updated Date 06/29/2025 |
52 Weeks Range 34.22 - 55.82 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -2.26% | Operating Margin (TTM) 15.79% |
Management Effectiveness
Return on Assets (TTM) 1.38% | Return on Equity (TTM) -5.22% |
Valuation
Trailing PE - | Forward PE 23.64 | Enterprise Value 4570241446 | Price to Sales(TTM) 2.12 |
Enterprise Value 4570241446 | Price to Sales(TTM) 2.12 | ||
Enterprise Value to Revenue 3.25 | Enterprise Value to EBITDA 24.88 | Shares Outstanding 70641200 | Shares Floating 69943930 |
Shares Outstanding 70641200 | Shares Floating 69943930 | ||
Percent Insiders 0.87 | Percent Institutions 104.88 |
Analyst Ratings
Rating 3.75 | Target Price 46.5 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
The Baldwin Insurance Group, Inc.
Company Overview
History and Background
The Baldwin Insurance Group, Inc. (BRP) was founded in 2011 and has grown rapidly through acquisitions and organic growth to become a significant player in the insurance distribution market. Initially focused on independent insurance agencies, they've expanded their services and geographic reach.
Core Business Areas
- Insurance Brokerage Services: Provides commercial and personal insurance solutions through independent insurance agencies. They advise clients on risk management and insurance coverage to suit their individual needs.
- Risk Management Services: Offers risk management consulting services to businesses. This includes risk assessments, claims management, and loss control strategies.
- Employee Benefits: Provides employee benefits consulting and brokerage services, including health, dental, vision, and life insurance plans.
Leadership and Structure
The company is led by Trevor Baldwin (CEO) and has a hierarchical organizational structure with regional and functional leaders reporting to the executive team. Their structure emphasizes decentralized operations with centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Insurance: Provides insurance coverage for businesses, including property, casualty, and liability insurance. This is a significant revenue driver. Competitors include Marsh McLennan (MMC), Aon (AON), and Brown & Brown (BRO). Market share data is not readily available but estimated to be low single digits.
- Employee Benefits Solutions: Provides benefit brokerage and consultation for clients, including health and life insurance. Competitors include Mercer, Willis Towers Watson, and Aon (AON). Market share data is not readily available but estimated to be low single digits.
- Personal Insurance: Offers personal lines insurance such as auto, home, and umbrella insurance. Competitors include State Farm, Progressive (PGR), and Allstate (ALL). Market share data is not readily available but estimated to be low single digits.
Market Dynamics
Industry Overview
The insurance brokerage industry is fragmented and competitive, driven by factors like economic growth, regulatory changes, and evolving risk profiles. Consolidation through acquisitions is a key trend.
Positioning
BRP is positioned as a growth-oriented insurance brokerage firm focused on expanding its geographic footprint and service offerings through strategic acquisitions and organic growth. Their competitive advantages include a decentralized operating model and a strong acquisition track record.
Total Addressable Market (TAM)
The total addressable market for insurance brokerage is estimated to be hundreds of billions of dollars globally. BRP is positioned to capture a larger share of this market through continued expansion and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong acquisition track record
- Decentralized operating model
- Diversified service offerings
- Experienced management team
Weaknesses
- High debt levels due to acquisition strategy
- Integration risks associated with acquisitions
- Reliance on key personnel
- Potential for lower margins as the company scales.
Opportunities
- Continued consolidation in the insurance brokerage industry
- Expansion into new geographic markets
- Cross-selling opportunities across existing client base
- Growth in demand for risk management services
Threats
- Economic downturn impacting insurance demand
- Increased competition from larger brokers
- Regulatory changes affecting insurance industry
- Rising interest rates increasing borrowing costs
Competitors and Market Share
Key Competitors
- MMC
- AON
- BRO
- AJG
- WTW
Competitive Landscape
BRP competes with larger, more established brokers (MMC, AON, BRO) but differentiates itself through its decentralized operating model, focus on strategic acquisitions, and entrepreneurial culture.
Major Acquisitions
INSURICA
- Year: 2022
- Acquisition Price (USD millions): 506.5
- Strategic Rationale: Significantly expanding BRP's scale, adding talent, and broadening its geographic reach within the US.
Growth Trajectory and Initiatives
Historical Growth: BRP has experienced significant revenue growth through acquisitions and organic expansion.
Future Projections: Future growth projections vary based on analyst estimates. These depend on factors such as acquisition pace, organic growth rate, and market conditions. Consult financial analyst reports for projections.
Recent Initiatives: Recent initiatives include strategic acquisitions, investments in technology, and expansion of service offerings.
Summary
The Baldwin Insurance Group (BRP) has grown significantly through acquisitions and shows continued revenue growth. Its decentralized model is working well but high debt from acquisitions presents a challenge. Future growth depends on effective integration and competition from bigger brokers is an ongoing threat. Overall, the company is performing well but must keep its debt in check while integrating acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q)
- Company investor relations website
- Financial news articles
- Analyst reports
- Market research reports
- Market share data is an estimate based on available information.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is an estimate and may not be precise. 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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