BWIN

Based on The Baldwin Insurance Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does The Baldwin Insurance Group do?

Baldwin is an independent insurance distribution firm that connects businesses, high-net-worth individuals, and everyday consumers with insurance and risk management products. It operates through three segments covering advisory services, technology-enabled underwriting, and community-focused personal insurance.

Does BWIN pay dividends?

No, BWIN does not currently pay a dividend. The company appears to prioritize reinvesting capital into growth initiatives, including technology development and acquisitions across its distribution segments.

When does BWIN report earnings?

Baldwin reports earnings on a quarterly basis, in line with standard US-listed company practice. For exact dates and the most recent results, check The Baldwin Insurance Group's official investor relations page.

Is BWIN a good stock to buy?

UQS Score rates BWIN as Below Average overall. While the Growth pillar is Good and Valuation is Attractive, the Quality, Moat, and Risk pillars are all rated Weak. Investors should weigh growth potential against meaningful fundamental concerns before forming a view.

Is BWIN overvalued?

The UQS Valuation pillar for BWIN is rated Attractive, suggesting the stock is not trading at an elevated premium relative to its fundamentals. However, an attractive price alone does not offset weaknesses in quality or risk — context matters.

How does BWIN compare to its competitors?

Baldwin competes in a fragmented insurance distribution and services space alongside firms like CorVel, Accelerant Holdings, and Crawford & Company. Each competitor focuses on a different slice of the insurance value chain, from claims management to specialty underwriting capacity.

What is BWIN's market cap bracket?

BWIN is classified as a small-cap stock. This places it in a segment of the market that can offer higher growth potential but typically carries greater volatility and liquidity risk compared to large- or mega-cap peers.

Who founded The Baldwin Insurance Group?

The company was founded in 2011 and was originally known as BRP Group, Inc. before rebranding to The Baldwin Insurance Group in May 2024. Founding details are widely available through public filings and the company's investor relations materials.

Is BWIN a long-term quality investment?

As a long-term quality indicator, BWIN's profile is mixed. The Good Growth pillar and Attractive Valuation offer some encouragement, but Weak ratings across Quality, Moat, and Risk suggest the business has not yet demonstrated the durability typically associated with high-quality long-term holdings.

What is the main competitive advantage of The Baldwin Insurance Group?

Baldwin's differentiation lies in its multi-segment distribution model and its technology-enabled Future platform, which spans personal, commercial, and specialty insurance lines. However, the UQS Moat pillar is rated Weak, indicating this advantage may not yet be deeply entrenched.

What sector does BWIN belong to?

BWIN operates in the Financial Services sector, specifically within insurance distribution and risk management. It sits at the intersection of traditional brokerage and technology-enabled insurance product manufacturing.

Is BWIN a growth stock or value stock?

Based on UQS pillar labels, BWIN leans toward a growth profile — the Growth pillar is rated Good while Valuation is Attractive. This combination suggests a company expanding faster than its current price fully reflects, though execution risk remains a key variable.

The Baldwin Insurance Group, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

The Baldwin Insurance Group, Inc. demonstrates healthy growth trends across revenue and earnings.

The Baldwin Insurance Group, Inc. presents elevated risk with concerns around leverage or financial stability.

The Baldwin Insurance Group, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.

The Baldwin Insurance Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BWIN.

The UQS (Unified Quality Score) for The Baldwin Insurance Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses The Baldwin Insurance Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether The Baldwin Insurance Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.