Baldwin Insurance Group stock
BWINNASDAQThe Baldwin Insurance Group, Inc., Financial ServicesISIN US05589G1022
48Score 48 out of 100, Weak
Price and trend
83 / 100
Price history
+15% in one yearThe chart shows daily closes over 2 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 26% above it.
Since July 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 54).
The price is 1.4% below its 52-week high. Largest decline in 2 years: 70% (October 2024 to February 2026).
Chart figures for advanced users
- SMA 50$31.68
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$25.39
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)54
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$16.50
- The lowest closing price of the last twelve months.
- Resistance$32.49
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- The Baldwin Insurance Group, Inc. belongs to the Insurance (Brokers) industry (United States) and, with a market value of $2.98B, is number 9 of 14 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.5B (up 9.3% year on year) and a loss of $33.81M.
- MEQIRI Score 48 out of 100 (Weak): rank 871 of 976 in Financial Services, median 68.
Show more
- Our model puts fair value at $65.02, with the price 51% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 45.4% a year since 2020, Insurance (Brokers) median 13.2%.Growth 74
- Analysts expect strong earnings growthUp 17.5% a year through 2028 (estimates from 6 analysts).Growth 74
Weaknesses
- DilutionShare count up 150% since 2020.Capital allocation 9
- Interest barely coveredOperating profit covers interest only 0.6 times.Stability 27
- Loss-makingLoss of $120.64M over the last 12 months.Fundamentals 29
Its standout strengths are valuation and technical analysis, while profitability and capital allocation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
- high price swings
What lowers it
- price near its 52-week high
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $46.44 and expensive above $108.36 (uncertainty high, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $53.29, at 7.8% it would be $82.67.
Possible value trap: looks cheap, but score below 50, high risk, weak balance sheet.
Valuation metrics
From the cash-flow model alone; without earnings there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 25.9% on the twelve months before. Revenue has grown strongly since 2017, at around 54% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 13%, operating 7%, net −2%.
Debt & balance sheet
Fiscal 2025Debt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 25 Feb 2027in 105 days
- Last reported
- 9 Nov 2026EPS reported $0.42 (expected $0.43)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.01−0.1%
- Revenue
- $2.01B−0.1%
- Earnings per share
- $2.480.0%
- Revenue
- $2.2B−0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −1.7%Consolidated guidance largely unchanged, organic revenue growth for 2026 now in the mid single digits (adjustment tied to restructuring of the legacy business); third quarter revenue of $485 million to $495 million.
“Moving on to our third quarter guide, We expect revenue of $485 million to $495 million and organic revenue growth in the mid single digits.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 30 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $300,150 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Cohen Seth BalaSale
14 May 2026, General Counsel
- Shares
- 15,000
- Price
- $20.01
- Value
- $300,150
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Baldwin Insurance Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 48
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Brokers)
The next larger and next smaller companies by market value
- Brown & BrownBRO $23.68B72
- Ryan Specialty HoldingsRYAN $5.61B65
- CorVelCRVL $4.24B79
- Neptune Insurance HoldingsNP $3.91B66
- Ethos TechnologiesLIFE $2.45B43
- Goosehead InsuranceGSHD $1.68B70
- CrawfordCRD-A $569.52M63
- WaterdropWDH $361.72M54
ETFs that hold Baldwin Insurance Group
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Ageing Population UCITS ETF2B77 | 0.25% | 0.40% | €807M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.11% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.10% | 0.30% | €2.17B |
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| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.08% | 0.30% | €185.82M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.07% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.03% | 0.35% | €8.19B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.02% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 16 May 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.