The Baldwin Insurance Group, Inc. (BWIN)vsMarsh & McLennan Companies, Inc. (MRSH)
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
MRSH
Marsh & McLennan Companies, Inc.
$173.10
-0.44%
FINANCIAL SERVICES · Cap: $85.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Marsh & McLennan Companies, Inc. generates 1693% more annual revenue ($26.98B vs $1.50B). MRSH leads profitability with a 15.4% profit margin vs -2.3%. MRSH earns a higher WallStSmart Score of 64/100 (C+).
BWIN
Avoid32
out of 100
Grade: F
MRSH
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BWIN.
Margin of Safety
-28.9%
Fair Value
$134.21
Current Price
$173.10
$38.89 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
Strong operational efficiency at 25.4%
Generating 2.1B 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
Comparative Analysis Report
WallStSmart ResearchBull Case : BWIN
The strongest argument for BWIN centers on Price/Book.
Bull Case : MRSH
The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 15.4% and operating margin at 25.4%.
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 : MRSH
The primary concerns for MRSH are PEG Ratio.
Key Dynamics to Monitor
BWIN profiles as a turnaround stock while MRSH is a mature play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
MRSH is growing revenue faster at 8.7% — sustainability is the question.
MRSH generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
MRSH scores higher overall (64/100 vs 32/100), backed by strong 15.4% margins. 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 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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