The Baldwin Insurance Group, Inc. logo BWIN - The Baldwin Insurance Group, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
1
BUY 4
HOLD 4
SELL 0
STRONG
SELL
0
| PRICE TARGET: $28.75 DETAILS
HIGH: $40.00
LOW: $20.00
MEDIAN: $27.50
CONSENSUS: $28.75
UPSIDE: 46.24%
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4
Revenue
Revenue 532.2 347.3 365.4 374.3 408.5 323.4 336.0 338.7 378.1 286.2 303.9 295.0 327.3 247.2 256.8 228.7 240.9 161.9
Cost of Revenue 464.4 333.5 272.1 269.1 263.8 278.5 247.2 244.3 262.1 234.7 220.5 225.2 231.0 196.9 195.9 172.8 153.8 121.5
Gross Profit 67.8 13.7 93.2 105.3 144.7 45.0 88.9 94.4 116.0 51.5 83.4 69.7 96.3 50.2 60.8 55.8 87.2 40.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Expenses 157.1 12.0 90.0 77.3 88.7 50.5 73.4 77.9 81.7 81.2 83.4 86.2 92.7 116.7 90.7 30.4 47.4 78.2
Operating Expenses 157.1 12.0 90.0 77.3 88.7 50.5 73.4 77.9 81.7 81.2 83.4 86.2 92.7 116.7 90.7 30.4 47.4 78.2
Operating Income
Operating Income (89.3) 1.8 3.2 27.9 56.0 (5.5) 15.4 16.5 34.3 (29.7) 0.1 (16.5) 3.6 (66.4) (29.9) 25.4 39.7 (37.9)
Interest Expense 38.9 29 31.1 0 0 0 0 0 31.5 31.9 30.6 29.1 27.9 25.3 20.8 14.6 10.3 8.5
Interest Income 3.4 0 3.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA (50.4) 27.0 37.2 53.6 91.5 0.3 42.9 49.0 72.5 0.9 38.6 24.5 52.9 (0.2) 16.2 18.8 52.7 (0.1)
EBIT (107.5) (13.6) 5.2 26.0 64.1 (27.7) 14.5 22.0 46.9 (23.7) 14 (0.1) 28.4 (23.3) (8.2) (1.4) 34.1 (15.8)
Income Before Tax (146.4) (42.6) (30.2) (4.5) 24.9 (35.3) (14.5) (29.4) 39.8 (62.1) (31.8) (43.0) (25.8) (90.8) (46.7) 16.6 44.8 (44.4)
Income Tax Expense (144.5) 1.0 0 0.7 0 (0.4) 0 1.5 0.7 0.4 0.2 0.7 0.1 0.7 0 0 0 0.0
Net Income 2.3 (25.9) (18.7) (3.2) 13.9 (20.2) (8.4) (17.6) 21.6 (34.5) (17.6) (23.9) (14.1) (48.5) (24.8) 8.6 22.9 (22.7)
Per Share Data
EPS (Basic) 0.03 -0.37 -0.27 -0.05 0.21 -0.31 -0.13 -0.28 0.35 -0.56 -0.29 -0.40 -0.24 -0.84 -0.43 0.15 0.41 -0.41
EPS (Diluted) 0.02 -0.37 -0.27 -0.05 0.20 -0.31 -0.13 -0.28 0.33 -0.56 -0.29 -0.40 -0.24 -0.84 -0.43 0.14 0.39 -0.41
Shares Outstanding 69.1 69.1 68.6 68.0 66.1 64.8 64.0 63.1 61.9 61.2 60.5 60.1 58.7 58.0 57.3 56.3 55.7 54.9
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4
Current Assets
Cash & Cash Equivalents 146.4 123.7 89.7 105.7 81.8 148.1 181.8 208.3 112.1 116.2 79.0 105.5 81.3 118.1 158.6 183.4 156.8 138.3
Short-Term Investments 0 0 0 0 0 0 163.0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 1,117.6 839.2 346.5 841.1 739.3 702.1 656.1 762.8 701.9 627.8 595.4 593.9 580.5 532.0 448.0 429.1 377.0 342.5
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 330.5 236.9 652.3 293.0 234.7 176.3 176.4 165.9 137.1 181.9 127.8 119.0 118.7 112.5 92.0 100.5 87.1 89.4
Total Current Assets 1,594.5 1,199.7 1,106.2 1,239.7 1,055.8 1,026.5 1,177.2 1,137.1 951.1 925.9 802.1 818.4 780.5 772.4 710.9 726.5 635.2 578.4
Non-Current Assets
Property, Plant & Equipment 114.9 84.5 85.5 88.4 93.7 94.3 96.2 101.5 106.5 108.2 113.0 117.3 120.8 121.9 122.5 109.1 101.3 99.1
Goodwill 2,652.1 1,517.2 1,516.5 1,420.6 1,412.4 1,412.4 1,412.4 1,412.4 1,412.4 1,412.4 1,421.8 1,421.8 1,422.1 1,422.1 1,420.9 1,415.3 1,232.4 1,228.7
Intangible Assets 1,484.7 978.4 1,016.7 925.5 937.6 953.5 968.8 985.4 1,000.3 1,017.3 1,044.8 1,063.0 1,081.1 1,099.9 1,118.1 1,125.4 927.6 944.5
Long-Term Investments 0 0 3.6 2.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Assets 96.4 82.4 65.3 62.4 49.2 48.0 47.4 43.8 39.8 38.1 41.7 44.6 43.9 45.9 39.9 34.3 45.5 25.6
Total Non-Current Assets 4,348.1 2,662.5 2,687.6 2,499.3 2,492.9 2,508.2 2,524.8 2,543.1 2,558.9 2,576.0 2,621.4 2,646.7 2,667.8 2,689.8 2,701.5 2,684.1 2,306.8 2,297.9
Total Assets 5,942.6 3,862.2 3,793.8 3,739.0 3,548.7 3,534.7 3,539.0 3,680.2 3,510.0 3,501.9 3,423.5 3,465.1 3,448.3 3,462.2 3,412.4 3,410.6 2,942.0 2,876.3
Current Liabilities
Account Payables 93.4 771.2 68.7 72.0 87.5 714.4 660.3 814.3 685.5 619.9 567.9 599.4 544.1 525.2 417.5 422.4 361.6 351.9
Short-Term Debt 131.6 21.6 10.1 16.1 54.8 157.0 215.3 217.9 245.5 226.9 109.4 126.3 128.6 56.8 50.2 52.1 90.9 105.1
Deferred Revenue 41.4 38.2 0 43.2 43.3 40.8 40.0 35.1 33.0 30.3 27.1 27.0 26.0 31.0 25.1 25.2 22.1 18.2
Other Current Liabilities 1,087.1 116.8 677.7 824.2 689.6 108.7 64.5 54.3 52.1 114.4 64.9 48.4 48.5 59.1 55.3 46.8 25.1 38.2
Total Current Liabilities 1,474.4 1,032.8 959.7 1,007.5 933.4 1,056.4 1,031.6 1,156.1 1,053.0 1,033.4 798.5 827.3 772.8 699.2 573.3 570.3 531.3 540.7
Non-Current Liabilities
Long-Term Debt 2,344.4 1,673.1 1,633.6 1,606.7 1,495.9 1,398.1 1,399.0 1,400.4 1,301.0 1,309.2 1,293.7 1,277.7 1,293.8 1,314.9 1,338.0 1,337.1 888.2 849.6
Deferred Tax Liabilities 4.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 492.9 14.3 11.4 10.0 2.8 2.7 2.6 6.5 6.5 61.4 175.9 178.3 167.8 220.4 188.3 166.4 210.9 227.1
Total Non-Current Liabilities 2,916.5 1,745.1 1,705.9 1,681.1 1,566.9 1,469.5 1,470.9 1,480.5 1,385.3 1,449.6 1,551.1 1,540.6 1,548.3 1,622.9 1,615.0 1,580.5 1,171.7 1,148.1
Total Liabilities 4,391.0 2,777.8 2,665.6 2,688.6 2,500.3 2,525.9 2,502.4 2,636.6 2,438.2 2,483.1 2,349.6 2,367.9 2,321.2 2,322.1 2,188.3 2,150.8 1,703.0 1,688.8
Stockholders' Equity
Common Stock 1.0 0.7 0.7 0.7 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6
Retained Earnings (274.9) (245.2) (219.4) (200.6) (197.5) (211.4) (191.3) (182.9) (165.3) (186.9) (152.4) (134.8) (110.9) (96.8) (48.3) (23.5) (32.1) (55.0)
Accumulated Other Comprehensive Income 2.7 0.5 1.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Stockholders' Equity 963.9 600.2 619.7 630.8 619.6 583.2 595.4 590.9 597.9 560.4 590.8 598.5 606.4 608.1 651.7 660.3 639.4 608.4
Total Liabilities & Equity 5,942.6 3,862.2 3,793.8 3,739.0 3,548.7 3,534.7 3,539.0 3,680.2 3,510.0 3,501.9 3,423.5 3,465.1 3,448.3 3,462.2 3,412.4 3,410.6 2,942.0 2,876.3
Debt Metrics
Total Debt 2,572.8 1,770.4 1,722.1 1,704.5 1,635.6 1,640.9 1,701.2 1,709.6 1,641.6 1,631.8 1,500.7 1,503.6 1,523.6 1,473.3 1,490.3 1,479.0 1,065.0 1,038.6
Net Debt 2,426.4 1,646.8 1,632.4 1,598.8 1,553.9 1,492.8 1,519.5 1,501.3 1,529.5 1,515.6 1,421.7 1,398.1 1,442.3 1,355.3 1,331.7 1,295.6 908.1 900.3
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4
Operating Activities
Net Income (1.9) (54.6) (30.2) (5.1) 24.9 (34.8) (14.5) (30.9) 39.1 (62.5) (32.0) (43.7) (25.9) (91.5) (46.7) 16.6 44.8 (44.4)
Depreciation & Amortization 57.1 40.7 32.0 27.7 27.5 28.0 28.5 27.0 25.5 24.6 24.6 24.6 24.5 23.1 24.4 20.3 18.6 15.7
Stock-Based Compensation 12.8 19.3 22.0 17.0 12.8 18.7 17.9 14.7 14.1 13.4 14.6 18.8 13.3 21.3 8.4 10.1 7.6 7.3
Change in Working Capital (70.7) (4.5) 15.4 (49.9) (59.8) 27.3 (27.8) 3.7 (37.1) 39.7 (19.9) 39.2 (52.6) 18.9 (16.3) 19.6 (43.1) 16.4
Other Non-Cash Items (3.4) 9.4 1.8 (6.3) (69.4) (22.7) (2.0) 3.8 (38.6) 6.6 0.0 10.6 26.6 42.3 18.2 (67.8) (31.3) 18.1
Operating Cash Flow (6.1) 10.3 41.0 (16.7) (64.0) 16.4 2.1 18.3 3.0 21.8 (12.6) 49.5 (14.0) 14.2 (12.0) (1.2) (3.4) 13.1
Investing Activities
Capital Expenditure (12.7) (10.4) (8.9) (11.4) (8.9) (12.2) (10.2) (10.6) (8.1) (7.2) (5.5) (5.1) (3.5) (6.6) (6.8) (6.8) (1.8) (2.1)
Acquisitions (477.5) 0.8 (74.5) (11.7) 0.8 (0.2) 0.6 1.8 51.3 (1.0) (0.3) (0.3) (0.1) (0.3) (10.7) (377.3) (0.6) (451.1)
Purchases of Investments 0 (0.3) 0 (15.0) 0 0 (0.4) 0 0 0 0 0 0 0 0 0 0 0
Sales/Maturities of Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Investing Activities (1.1) (0.8) 0 0.5 (0.5) 0 0 (0.3) 1.5 3.3 (0.5) (0.1) (1.5) 0 0 (2.7) (0.7) (1.6)
Investing Cash Flow (491.2) (10.7) (83.4) (37.6) (8.6) (12.3) (10.0) (9.0) 44.6 (5.0) (6.4) (5.5) (5.1) (6.9) (17.6) (386.8) (3.1) (454.9)
Financing Activities
Net Debt Issuance 677.5 1,807.8 26.5 109.7 97.7 (2.1) (2.1) 109.8 (9.6) 14.4 21.4 (17.1) (22.1) (24.1) (0.1) 447.9 37.9 255.1
Stock Repurchased (47.0) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 (0.2) 0 0 0 0 0 0 0
Other Financing Activities (24.0) (1,786.5) (41.9) 29.3 (38.8) (34.0) (5.5) 6.7 (30.7) 1.3 (20.7) (0.8) (2.4) (3.3) (3.6) (19.9) (15.1) (7.0)
Financing Cash Flow 606.5 21.4 (15.4) 139.0 58.9 (36.1) (7.6) 116.5 (40.3) 15.7 0.5 (17.9) (24.5) (27.4) (3.7) 428.0 22.7 248.1
Cash Position
Net Change in Cash 109.2 21.0 (57.8) 84.6 (13.7) (31.9) (15.5) 125.9 7.4 32.6 (18.5) 26.1 (43.7) (20.1) (33.3) 40.0 16.2 (193.7)
Cash at Beginning 346.9 325.9 383.7 299.1 312.8 344.7 360.2 234.3 227.0 194.4 212.9 186.8 230.5 250.6 283.9 243.9 227.7 421.4
Cash at End 456.1 346.9 325.9 383.7 299.1 312.8 344.7 360.2 234.3 227.0 194.4 212.9 186.8 230.5 250.6 283.9 243.9 227.7
Free Cash Flow (18.7) (0.1) 32.2 (28.1) (72.9) 4.3 (8.1) 7.8 (5.1) 14.6 (18.2) 44.3 (17.5) 7.6 (18.8) (8.0) (5.2) 11.0
Key Metrics 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4
Income Statement
Revenue 532.2 347.3 365.4 374.3 408.5 323.4 336.0 338.7 378.1 286.2 303.9 295.0 327.3 247.2 256.8 228.7 240.9 161.9
Gross Profit 67.8 13.7 93.2 105.3 144.7 45.0 88.9 94.4 116.0 51.5 83.4 69.7 96.3 50.2 60.8 55.8 87.2 40.4
Operating Income (89.3) 1.8 3.2 27.9 56.0 (5.5) 15.4 16.5 34.3 (29.7) 0.1 (16.5) 3.6 (66.4) (29.9) 25.4 39.7 (37.9)
Net Income 2.3 (25.9) (18.7) (3.2) 13.9 (20.2) (8.4) (17.6) 21.6 (34.5) (17.6) (23.9) (14.1) (48.5) (24.8) 8.6 22.9 (22.7)
EPS (Diluted) 0.02 -0.37 -0.27 -0.05 0.20 -0.31 -0.13 -0.28 0.33 -0.56 -0.29 -0.40 -0.24 -0.84 -0.43 0.14 0.39 -0.41
Balance Sheet
Cash & Equivalents 146.4 123.7 89.7 105.7 81.8 148.1 181.8 208.3 112.1 116.2 79.0 105.5 81.3 118.1 158.6 183.4 156.8 138.3
Total Assets 5,942.6 3,862.2 3,793.8 3,739.0 3,548.7 3,534.7 3,539.0 3,680.2 3,510.0 3,501.9 3,423.5 3,465.1 3,448.3 3,462.2 3,412.4 3,410.6 2,942.0 2,876.3
Total Debt 2,572.8 1,770.4 1,722.1 1,704.5 1,635.6 1,640.9 1,701.2 1,709.6 1,641.6 1,631.8 1,500.7 1,503.6 1,523.6 1,473.3 1,490.3 1,479.0 1,065.0 1,038.6
Stockholders' Equity 963.9 600.2 619.7 630.8 619.6 583.2 595.4 590.9 597.9 560.4 590.8 598.5 606.4 608.1 651.7 660.3 639.4 608.4
Cash Flow
Operating Cash Flow (6.1) 10.3 41.0 (16.7) (64.0) 16.4 2.1 18.3 3.0 21.8 (12.6) 49.5 (14.0) 14.2 (12.0) (1.2) (3.4) 13.1
Capital Expenditure (12.7) (10.4) (8.9) (11.4) (8.9) (12.2) (10.2) (10.6) (8.1) (7.2) (5.5) (5.1) (3.5) (6.6) (6.8) (6.8) (1.8) (2.1)
Free Cash Flow (18.7) (0.1) 32.2 (28.1) (72.9) 4.3 (8.1) 7.8 (5.1) 14.6 (18.2) 44.3 (17.5) 7.6 (18.8) (8.0) (5.2) 11.0