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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
04/01/2025: BWIN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 25.45% | 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 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.80B USD | Price to earnings Ratio - | 1Y Target Price 49.14 |
Price to earnings Ratio - | 1Y Target Price 49.14 | ||
Volume (30-day avg) 670283 | Beta 1.59 | 52 Weeks Range 26.08 - 55.82 | Updated Date 03/8/2025 |
52 Weeks Range 26.08 - 55.82 | Updated Date 03/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.64 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -2.89% | Operating Margin (TTM) 4.26% |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) -6.51% |
Valuation
Trailing PE - | Forward PE 22.03 | Enterprise Value 4324260235 | Price to Sales(TTM) 2.09 |
Enterprise Value 4324260235 | Price to Sales(TTM) 2.09 | ||
Enterprise Value to Revenue 3.24 | Enterprise Value to EBITDA 26.16 | Shares Outstanding 67569200 | Shares Floating 66244885 |
Shares Outstanding 67569200 | Shares Floating 66244885 | ||
Percent Insiders 4.35 | Percent Institutions 105.41 |
Analyst Ratings
Rating 4 | Target Price 45.33 | Buy 2 | Strong Buy 4 |
Buy 2 | Strong Buy 4 | ||
Hold 1 | 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., founded in 2009, rapidly grew through strategic acquisitions to become a significant player in the insurance brokerage industry. It focuses on delivering comprehensive risk management solutions.
Core Business Areas
- Commercial Risk Solutions: Provides commercial property and casualty insurance, employee benefits, and risk management services to businesses of all sizes.
- Personal Risk Solutions: Offers personal lines insurance, including homeowners, auto, and umbrella policies to individuals and families.
- Employee Benefits: Specializes in designing and implementing employee benefit programs, including health, dental, and life insurance.
Leadership and Structure
The leadership team consists of seasoned insurance executives. The organizational structure is decentralized, allowing acquired agencies to maintain their operational autonomy while benefiting from the group's resources.
Top Products and Market Share
Key Offerings
- Commercial Property & Casualty Insurance: Covers businesses against property damage, liability claims, and other risks. Market share is difficult to pinpoint exactly, but Baldwin is a significant player in the fragmented commercial insurance market. Competitors include Marsh McLennan, Aon, and Gallagher.
- Estimated market share or revenue: Unknown
- Employee Benefits Programs: Includes health, dental, vision, and life insurance for employees. Baldwin partners with major insurance carriers. Competitors include Mercer and Willis Towers Watson.
- Estimated market share or revenue: Unknown
- Estimated market share or revenue: Unknown
- Personal Lines Insurance: Includes homeowners, auto, and umbrella policies, providing protection for individuals and families. This is a highly competitive market. Competitors include State Farm, Progressive and Geico.
Market Dynamics
Industry Overview
The insurance brokerage industry is characterized by consolidation and increasing demand for specialized risk management solutions. Digital disruption and regulatory changes are also key factors.
Positioning
Baldwin is positioned as a national insurance brokerage providing a wide range of services. Its competitive advantage lies in its decentralized acquisition strategy and focus on specialization.
Total Addressable Market (TAM)
The TAM for the insurance brokerage market is estimated to be hundreds of billions of dollars globally. Baldwin Insurance Group is strategically positioned to capture a larger share of this market by expanding its geographic presence and service offerings, though its current revenue represents a small portion of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong acquisition track record
- Diversified product and service offerings
- Decentralized operating model
- Experienced management team
Weaknesses
- Integration risks from acquisitions
- Debt levels due to acquisition financing
- Reliance on key personnel at acquired agencies
- Exposure to cyclical downturns in insurance pricing
Opportunities
- Further consolidation in the insurance brokerage industry
- Expansion into new geographies
- Development of digital insurance solutions
- Cross-selling opportunities across acquired agencies
Threats
- Increased competition from larger brokers
- Economic downturns impacting insurance demand
- Regulatory changes affecting insurance pricing
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- MMC
- AON
- AJG
- WTW
Competitive Landscape
Baldwin competes with larger, more established brokers. Its advantage lies in its entrepreneurial culture and focus on specialization, but it faces challenges in terms of scale and brand recognition.
Major Acquisitions
Holmes Murphy Fraternal Practice
- Year: 2023
- Acquisition Price (USD millions): 15.1
- Strategic Rationale: Expand into new markets.
Specialty Risk Management
- Year: 2024
- Acquisition Price (USD millions): 43
- Strategic Rationale: Enhance service offerings and expand customer base.
Growth Trajectory and Initiatives
Historical Growth: Baldwin has experienced significant revenue growth through acquisitions. Organic growth has been more moderate.
Future Projections: Analyst estimates suggest continued revenue growth driven by acquisitions and organic expansion. Profitability is expected to improve as integration synergies are realized.
Recent Initiatives: Recent strategic initiatives include expanding into new specialty insurance lines and investing in technology to enhance customer service.
Summary
The Baldwin Insurance Group has grown rapidly through strategic acquisitions, creating a diversified insurance brokerage. They face integration risks and competition, but opportunities exist through industry consolidation and digital solutions. Recent initiatives show forward momentum and address customer service. While historical growth has been strong, sustaining profitability and managing debt will be key to long-term success. Baldwin must watch out for economic downturns as that could negatively impact their demand.
Similar Companies
AJG
Arthur J Gallagher & Co
AJG
Arthur J Gallagher & Co
AON
Aon PLC
AON
Aon PLC
BRO
Brown & Brown Inc
BRO
Brown & Brown Inc
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
MMC
Marsh & McLennan Companies Inc
MMC
Marsh & McLennan Companies Inc
RGA
Reinsurance Group of America
RGA
Reinsurance Group of America
WTW
Willis Towers Watson PLC
WTW
Willis Towers Watson PLC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Financial data is based on readily available information as of the generation date and could differ with real-time data.
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 4052 | Website https://www.baldwin.com |
Full time employees 4052 | 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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