WallStSmart

The Baldwin Insurance Group, Inc. (BWIN)vsMarsh & McLennan Companies, Inc. (MRSH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies, Inc. generates 1508% more annual revenue ($27.95B vs $1.74B). MRSH leads profitability with a 14.2% profit margin vs -4.7%. MRSH earns a higher WallStSmart Score of 62/100 (C+).

BWIN

Hold

39

out of 100

Grade: F

Growth: 6.7Profit: 2.5Value: 5.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.65

MRSH

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: 1.74

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BWIN1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
30.1%10/10

Revenue surging 30.1% year-over-year

MRSH4 strengths · Avg: 8.5/10
Market CapQuality
$88.64B9/10

Large-cap with strong market position

Return on EquityProfitability
26.2%9/10

Every $100 of equity generates 26 in profit

Operating MarginProfitability
26.3%8/10

Strong operational efficiency at 26.3%

Free Cash FlowQuality
$1.45B8/10

Generating 1.5B in free cash flow

Areas to Watch

BWIN4 concerns · Avg: 2.5/10
Operating MarginProfitability
2.0%3/10

Operating margin of 2.0%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-4.7%2/10

ROE of -4.7% — below average capital efficiency

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

MRSH3 concerns · Avg: 3.7/10
PEG RatioValuation
1.664/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.744/10

Distress zone — elevated risk

Debt/EquityHealth
1.473/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BWIN

The strongest argument for BWIN centers on Revenue Growth. Revenue growth of 30.1% demonstrates continued momentum.

Bull Case : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin.

Bear Case : BWIN

The primary concerns for BWIN are Operating Margin, Piotroski F-Score, Return on Equity. Debt-to-equity of 3.04 is elevated, increasing financial risk.

Bear Case : MRSH

The primary concerns for MRSH are PEG Ratio, Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

BWIN profiles as a hypergrowth stock while MRSH is a value play — different risk/reward profiles.

BWIN carries more volatility with a beta of 1.03 — expect wider price swings.

BWIN is growing revenue faster at 30.1% — sustainability is the question.

MRSH generates stronger free cash flow (1.5B), providing more financial flexibility.

Bottom Line

MRSH scores higher overall (62/100 vs 39/100). Both earn "Buy" and "Hold" 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.

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Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

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