WTW
Financial ServicesWillis Towers Watson Public Limited Company · Insurance - Brokers · $24B
What is Willis Towers Watson Public Limited Company?
Willis Towers Watson is a global advisory, broking, and solutions firm serving corporations, insurers, and institutions across more than 140 countries. The company helps clients manage risk, attract talent, and optimize employee benefits programs.
WTW generates revenue through two core segments: Health, Wealth and Career, and Risk and Broking. On the people side, it provides actuarial consulting, retirement plan design, health benefit administration, and total rewards advisory. On the risk side, it offers property and casualty brokerage, aerospace and marine insurance, investment consulting, and reinsurance advisory. The company also delivers software and technology solutions for insurance pricing, regulatory reporting, and capital modeling, making it a broad-based professional services platform.
The company was established in 2001 and is headquartered in London, United Kingdom.
- Employee benefits consulting and health plan administration
- Retirement and pension actuarial advisory services
- Property, casualty, and specialty insurance brokerage
- Investment consulting and discretionary asset management
- Insurance technology, pricing, and capital modeling software
Is WTW a Good Stock to Buy?
UQS Score rates WTW as Good overall, reflecting a balanced profile across its five analytical pillars.
The Quality pillar registers as Good, suggesting the business generates reliable earnings and maintains sound financial discipline relative to sector peers. The Valuation pillar is rated Attractive, meaning the stock appears reasonably priced compared to its fundamental profile — a notable characteristic in a sector where quality names often trade at a premium.
The Moat and Growth pillars both register as Neutral, indicating that WTW's competitive differentiation and near-term expansion trajectory are in line with — but not clearly ahead of — sector averages.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does WTW pay dividends?
Yes — Willis Towers Watson Public Limited Company pays a dividend.
WTW pays a regular dividend, which is consistent with its profile as a large, mature professional services firm. The dividend reflects management's confidence in recurring cash generation from its advisory and brokerage operations. Income-oriented investors may find this cadence appealing, though the full yield context is available in the Pro view.
When does WTW report earnings?
Willis Towers Watson reports earnings on a quarterly cadence, typical for US-listed large-cap equities.
The company's dual-segment structure — combining people advisory with risk and broking — provides some revenue diversification across economic cycles. Performance trends across both segments are reflected in the Quality and Growth pillar ratings within the UQS framework.
For the most recent quarter's results and guidance, visit Willis Towers Watson's official investor relations page.
WTW Price History
+21.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
WTW Long-term Outlook
WTW's Neutral Growth pillar suggests the company is expanding at a pace broadly in line with the financial services sector rather than outpacing it. The Neutral Risk pillar indicates a balanced exposure to operational and market risks — neither unusually elevated nor particularly low. The Attractive Valuation pillar adds a constructive dimension to the fundamental outlook, as the stock does not appear to be pricing in aggressive future growth assumptions.
Growth drivers
- Ongoing demand for employee benefits outsourcing as employers manage rising healthcare costs
- Expansion of insurance technology and capital modeling software across global insurers
- Cross-sell opportunities between the Risk and Broking and Health, Wealth and Career segments
Key risks
- Competitive pressure from larger brokers with greater scale and distribution reach
- Sensitivity to global economic conditions affecting corporate insurance spending
- Execution risk tied to ongoing portfolio optimization and cost transformation initiatives
WTW vs Peers
WTW competes in the global insurance brokerage and advisory space alongside several well-established firms.
Brown & Brown focuses on a decentralized, acquisition-driven brokerage model primarily serving middle-market clients in the US.
Arthur J. Gallagher pursues aggressive global expansion through acquisitions, with a strong presence in specialty and wholesale brokerage.
Erie Indemnity operates as a management company for the Erie Insurance Exchange, focusing on personal and commercial lines through an exclusive agency network.
Frequently Asked Questions
What does Willis Towers Watson do?
Willis Towers Watson is a global advisory, broking, and solutions firm. It helps organizations manage workforce benefits, retirement programs, and insurance risk. The company operates through two segments — Health, Wealth and Career, and Risk and Broking — serving clients across more than 140 countries.
Does WTW pay dividends?
Yes, Willis Towers Watson pays a regular dividend. This is consistent with its profile as a large, established professional services company with recurring revenue from long-term client relationships. For current yield and payout details, the full metrics are available to UQS Pro members.
When does WTW report earnings?
Willis Towers Watson reports earnings on a quarterly cadence, as is standard for US-listed large-cap companies. For the exact schedule and most recent results, refer to the investor relations section of the company's official website.
Is WTW a good stock to buy?
UQS Score rates WTW as Good overall. The Quality pillar is Good and the Valuation pillar is Attractive, while Moat, Growth, and Risk are each Neutral. Whether it fits your portfolio depends on your individual goals — the complete pillar breakdown is available to Pro members.
Is WTW overvalued?
The UQS Valuation pillar for WTW is rated Attractive, suggesting the stock is not trading at an excessive premium relative to its fundamental profile. This does not constitute a price prediction, but it indicates the market is not pricing in unusually high growth expectations at current levels.
How does WTW compare to its competitors?
WTW competes with firms like Brown & Brown, Arthur J. Gallagher, and Erie Indemnity. Unlike pure-play brokers, WTW combines insurance brokerage with deep people advisory and technology services, giving it a broader service footprint. Detailed UQS comparisons across these peers are available in the Pro view.
What is WTW's market cap bracket?
Willis Towers Watson is classified as a large-cap company. This places it among the more established and widely followed names in the global financial services and insurance brokerage sector.
Who founded Willis Towers Watson?
Willis Towers Watson was formed in 2016 through the merger of Willis Group Holdings and Towers Watson. Willis Group itself traces its roots to the nineteenth century, while Towers Watson was formed in 2010 from the merger of Towers Perrin and Watson Wyatt. The combined entity's current corporate structure dates to 2001.
Is WTW a long-term quality investment?
From a quality indicator standpoint, WTW's Good UQS Score reflects a business with sound fundamentals and an Attractive valuation. The Neutral Growth and Moat pillars suggest the company is stable rather than rapidly expanding. Long-term suitability depends on your investment criteria — the full analysis is available to Pro members.
What is the main competitive advantage of Willis Towers Watson?
WTW's breadth across people advisory, insurance brokerage, and technology solutions creates cross-sell opportunities that pure-play brokers cannot easily replicate. Its actuarial and data capabilities, particularly in retirement and insurance modeling, represent specialized expertise built over decades of client engagements.
What sector does WTW belong to?
Willis Towers Watson operates in the Financial Services sector, specifically within the insurance brokerage and professional advisory sub-industry. It serves corporate, institutional, and government clients globally across risk management and human capital disciplines.
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Pro Analysis
WTW — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 60.7 | 76.3 | 44.0 | 51.5 | 48.8 | 86.4 | +0.6 |
| May 7, 2026 | 60.1 | 73.5 | 44.0 | 52.1 | 49.1 | 86.2 | +0.1 |
| May 4, 2026 | 60.0 | 73.5 | 44.0 | 52.1 | 49.1 | 85.6 | 0.0 |
| May 3, 2026 | 60.0 | 73.5 | 44.0 | 52.1 | 49.1 | 85.7 | +0.6 |
| May 2, 2026 | 59.4 | 73.5 | 44.0 | 52.1 | 49.1 | 81.8 | -0.2 |
| Apr 26, 2026 | 59.6 | 73.5 | 44.0 | 52.6 | 49.1 | 82.0 | +0.2 |
| Apr 19, 2026 | 59.4 | 73.5 | 44.0 | 52.6 | 49.1 | 80.9 | -0.2 |
| Apr 18, 2026 | 59.6 | 73.5 | 44.0 | 52.6 | 49.1 | 81.9 | -0.7 |
| Apr 15, 2026 | 60.3 | 73.5 | 44.0 | 52.6 | 49.1 | 86.9 | 0.0 |
| Apr 14, 2026 | 60.3 | 73.5 | 44.0 | 52.7 | 49.1 | 86.9 | -0.2 |
WTW — Pillar Breakdown
Quality
— 76.3/100 (25%)Willis Towers Watson Public Limited Company demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 51.5/100 (20%)Willis Towers Watson Public Limited Company shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 48.8/100 (15%)Willis Towers Watson Public Limited Company has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.3/100 (15%)Willis Towers Watson Public Limited Company appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 44/100 (25%)Willis Towers Watson Public Limited Company possesses some competitive advantages but faces meaningful competition. 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 WTW.
Score Composition
Financial Data
More Stock Analysis
How is the WTW UQS Score Calculated?
The UQS (Unified Quality Score) for Willis Towers Watson Public Limited Company 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 Willis Towers Watson Public Limited Company'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 Willis Towers Watson Public Limited Company 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.