The Baldwin Insurance Group, Inc. (BWIN)vsMarsh & McLennan Companies Inc (MMC)
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
MMC
Marsh & McLennan Companies Inc
$182.70
-1.58%
FINANCIAL SERVICES · Cap: $89.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Marsh & McLennan Companies Inc generates 1658% more annual revenue ($26.45B vs $1.50B). MMC leads profitability with a 15.6% profit margin vs -2.3%. MMC earns a higher WallStSmart Score of 62/100 (C+).
BWIN
Avoid32
out of 100
Grade: F
MMC
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BWIN.
Margin of Safety
-222.6%
Fair Value
$56.64
Current Price
$182.70
$126.06 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Generating 2.3B in free cash flow
Areas to Watch
Weak financial health signals
ROE of -5.2% — below average capital efficiency
Earnings declined 39.4%
Negative free cash flow — burning cash
Expensive relative to growth rate
0.0% earnings growth
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : BWIN
The strongest argument for BWIN centers on Price/Book.
Bull Case : MMC
The strongest argument for MMC centers on Market Cap, Return on Equity, Free Cash Flow. Profitability is solid with margins at 15.6% and operating margin at 19.2%. Revenue growth of 11.5% demonstrates continued momentum.
Bear Case : BWIN
The primary concerns for BWIN are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.78 is elevated, increasing financial risk.
Bear Case : MMC
The primary concerns for MMC are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
BWIN profiles as a turnaround stock while MMC is a mature play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
MMC is growing revenue faster at 11.5% — sustainability is the question.
MMC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
MMC scores higher overall (62/100 vs 32/100), backed by strong 15.6% margins and 11.5% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
Visit Website →Marsh & McLennan Companies Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.
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