US · BWIN
The Baldwin Insurance Group, Inc.
- Sector
- Financial Services · Insurance - Brokers
- Headquarters
- Tampa, FL 33607
- Website
- baldwin.com
Price · as of 2025-12-31
$22.03
Market cap 1.58B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $34.91 | +58.47% |
| Intrinsic Value(DCF) | $10.67 | -51.57% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $11.46 | $0.00 | |||
| 2019 | $16.19 | $155.70 | $1,578.38 | $0.00 | $0.00 |
| 2020 | $27.88 | $54.09 | $1,978.47 | $0.00 | $0.00 |
| 2021 | $24.50 | $51.46 | $5,403.19 | $0.00 | $0.00 |
| 2022 | $24.24 | $45.02 | $5,415.35 | $0.00 | $0.00 |
| 2023 | $29.31 | $488.19 | $2,349.18 | $0.00 | $0.00 |
| 2024 | $39.20 | $35.55 | $120.29 | $0.00 | $0.00 |
| 2025 | $23.19 | $34.91 | $2.49 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates The Baldwin Insurance Group, Inc.'s (BWIN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $34.91
- Current price
- $22.03
- AI upside
- +58.47%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$10.67
-51.57% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BWIN | The Baldwin Insurance Gro… | $22.03 | 1.58B | +58% | -52% | — | — | -29.09 | 2.62 | 1.05 | 8.21 | -103.15 | -0.83 | 12.76% | 5.28% | -2.25% | -9.15% | 5.85% | -1.46% | 0.27 | 0.65 | 1.16 | 0.45 | 0.21 | 2821.00% | 935.00% | -21284.00% | -4.38% | -0.03 | -5.07% | 0.00% | 0.00% | 92.15% | 20.33 | -23.45 | 1.07 | 0.76 |
| BLX | Banco Latinoamericano de … | $50.03 | 1.86B | +205% | -11% | +51% | — | 8.22 | 1.11 | 5.49 | 17.50 | 90.31 | 1.12 | 93.49% | 66.81% | 66.81% | 15.05% | 5.94% | 1.84% | 2.40 | — | 14.75 | 14.75 | 9.28 | 911.00% | -5811.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 27.54% | 17.50 | — | 11.69 | 0.47 |
| CCB | Coastal Financial Corpora… | $74.19 | 1.12B | +38% | +1,719% | -36% | -7% | 24.05 | 2.30 | 1.71 | 18.84 | — | 2.32 | 52.79% | 9.26% | 7.11% | 10.11% | 16.96% | 1.06% | 0.12 | 0.51 | 0.90 | 0.90 | 0.39 | -646.00% | 1467.00% | -10060.00% | -0.13% | 0.00 | -0.54% | 0.00% | 0.00% | 0.00% | 18.84 | -773.38 | 1.75 | 0.32 |
| CLBK | Columbia Financial, Inc. | $17.90 | 1.87B | +221% | -59% | -28% | -44% | 35.82 | 1.60 | 3.65 | 39.16 | — | 1.78 | 50.25% | 11.86% | 10.20% | 4.62% | 3.34% | 0.48% | 1.02 | 0.26 | 1.73 | 1.73 | 12.24 | -56364.00% | 1194.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 44.83 | — | 5.31 | 0.57 |
| FCF | First Commonwealth Financ… | $17.53 | 1.82B | +87% | -19% | -46% | +53% | 10.88 | 1.10 | 2.22 | 3.33 | — | 1.52 | 64.16% | 25.47% | 20.38% | 10.49% | 20.39% | 1.24% | 0.24 | 0.80 | 0.13 | 0.13 | 1.14 | -974.00% | 1166.00% | -1150.00% | 7.35% | 0.01 | 16.30% | 3.39% | 36.90% | 31.80% | 3.44 | 5.38 | 0.88 | -0.56 |
| FINV | FinVolution Group | $5.62 | 1.41B | +215% | +17% | +94% | +162% | 6.33 | 0.99 | 1.15 | 2.90 | 75.46 | 1.00 | 79.32% | 19.40% | 18.24% | 16.46% | 31.30% | 10.62% | 0.00 | — | 4.31 | 3.57 | -1.77 | 838.00% | 369.00% | 22735.00% | 19.01% | 0.65 | 42.16% | 2.93% | 18.50% | 7.19% | 3.00 | 2.65 | 0.58 | 3.43 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| GABC | German American Bancorp, … | $41.34 | 1.55B | -1% | +321% | -56% | +347% | 13.69 | 1.33 | 3.16 | 11.47 | 168.50 | 2.05 | 70.17% | 28.74% | 23.11% | 12.00% | 21.95% | 1.53% | 0.16 | 1.11 | 0.06 | 0.06 | 0.79 | 813.00% | 5454.00% | -9777.00% | 0.13% | 0.00 | 0.39% | 2.81% | 38.40% | 4.69% | 11.47 | 793.24 | 3.30 | 0.08 |
| PWP | Perella Weinberg Partners | $18.51 | 1.19B | +127% | -60% | — | — | 24.96 | -9.41 | 1.60 | 17.91 | — | -5.64 | 97.23% | 6.39% | 4.72% | -17.50% | -13.31% | 5.73% | -2.78 | — | 1.15 | 1.15 | 1.35 | -14508.00% | -1448.00% | -8528.00% | 2.54% | 0.13 | -9.07% | 1.91% | 47.70% | 4.72% | 26.99 | 42.52 | 1.73 | 2.31 |
| QFIN | Qfin Holdings, Inc. | $14.56 | 1.9B | +294% | +163% | +136% | +438% | 6.57 | 1.70 | 2.40 | 4.33 | 10.82 | 1.78 | 61.77% | 43.86% | 36.49% | 27.16% | 32.51% | 13.34% | 0.07 | — | 2.45 | 0.58 | -0.35 | 6072.00% | 538.00% | 3066.00% | 22.33% | 0.53 | 50.12% | 3.07% | 20.20% | 10.29% | 4.64 | 3.80 | 2.04 | 3.15 |
| STEL | Stellar Bancorp, Inc. | $37.66 | 1.93B | +27% | -9% | -14% | -80% | 19.06 | 1.18 | 3.29 | -2.28 | — | 1.78 | 69.31% | 21.43% | 17.25% | 6.28% | -20.51% | 0.95% | 0.02 | 0.74 | 0.02 | 0.42 | -2.97 | -744.00% | -467.00% | -2419.00% | 4.95% | 0.02 | -19.34% | 0.00% | 0.00% | 0.00% | -2.28 | -3.01 | -0.49 | -0.30 |
About The Baldwin Insurance Group, Inc.
The Baldwin Insurance Group, Inc. operates as an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. It operates through three segments: Insurance Advisory Solutions; Underwriting, Capacity & Technology Solutions; and Mainstreet Insurance Solutions. The Insurance Advisory Solutions segment provides commercial risk management, employee benefits, and private risk management solutions for businesses and high-net-worth individuals, as well as their families. The Underwriting, Capacity & Technology Solutions segment offers Future platform, that manufactures technology-enabled insurance products suite comprises personal, commercial, and specialty lines; specialty wholesale broker business that delivers professionals, individuals, and niche industry businesses; and reinsurance brokerage services. The Mainstreet Insurance Solutions segment provides personal insurance, commercial insurance, and life and health solutions to individuals and businesses in communities. The company was formerly known as BRP Group, Inc. and changed its name to The Baldwin Insurance Group, Inc. in May 2024. The Baldwin Insurance Group, Inc. was founded in 2011 and is headquartered in Tampa, Florida.
- CEO
- Trevor Lowry Baldwin
- Employees
- 4K
- Beta
- 1.33
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($10.67 ÷ $22.03) − 1 = -51.57% (DCF, example).