The Baldwin Insurance Group, Inc. (BWIN)vsWillis Towers Watson PLC (WTW)
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
WTW
Willis Towers Watson PLC
$289.51
-1.31%
FINANCIAL SERVICES · Cap: $28.09B
Smart Verdict
WallStSmart Research — data-driven comparison
Willis Towers Watson PLC generates 545% more annual revenue ($9.71B vs $1.50B). WTW leads profitability with a 16.5% profit margin vs -2.3%. WTW earns a higher WallStSmart Score of 62/100 (C+).
BWIN
Avoid32
out of 100
Grade: F
WTW
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BWIN.
Margin of Safety
-153.5%
Fair Value
$110.50
Current Price
$289.51
$179.01 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 35.4%
Every $100 of equity generates 20 in profit
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
Revenue declined 3.3%
Earnings declined 38.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BWIN
The strongest argument for BWIN centers on Price/Book.
Bull Case : WTW
The strongest argument for WTW centers on Operating Margin, Return on Equity. Profitability is solid with margins at 16.5% and operating margin at 35.4%. PEG of 1.08 suggests the stock is reasonably priced for its growth.
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 : WTW
The primary concerns for WTW are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
BWIN profiles as a turnaround stock while WTW is a declining play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
BWIN is growing revenue faster at 5.3% — sustainability is the question.
WTW generates stronger free cash flow (708M), providing more financial flexibility.
Bottom Line
WTW scores higher overall (62/100 vs 32/100), backed by strong 16.5% 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 →Willis Towers Watson PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.
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