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BWIN The Baldwin Insurance Group, Inc.
Banks, Insurers & Asset Managers
F 30.0 / 100 pillar composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.

Grade overrides the 30.0 pillar composite — hard gates always win.

Profitability

Weight: 25%
D- 30

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA -1.1%
  • Operating Margin Trend +3.34 pp/yr

Capital Efficiency

Weight: 20%
F 0

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE -7.4%
  • 5yr Share-Count CAGR 9.3%

Growth Quality

Weight: 10%
F 7

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR -9.2%
  • 5yr EPS CAGR 0.0%
  • Positive-EPS Years (5) 0/5

Cash Generation

Weight: 5%
F 0

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 0.00x

Balance Sheet

Weight: 30%
B 69

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 15.5%
  • Interest Coverage (EBIT/Int) 0.57x

Stability

Weight: 10%
B+ 77
  • EPS Volatility (σ/μ) 0.00
  • Piotroski F-Score 2
  • Negative-Revenue Years (5) 0/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.