BWIN · The Baldwin Insurance Group, Inc. Class A
Baldwin Insurance Group, Inc (BWIN)
What's happening
- BWIN is up 0.09% today, trading at $31.93. — Live quote
- Volume today (69,073) is well below its 3-month average of 2,412,740. (Finnhub fundamentals)
- Reports earnings on 2026-11-09 (after market close), 18 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $0.48 actual vs. $0.48 estimated (-0.0%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (15 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $2.47B | $2.57B | $1.96B | $2.71B | $3.12B |
| P/E | -42.11 | -457.48 | -120.00 | -178.67 | 325.17 |
| Price/Sales | 1.39 | 1.52 | 1.31 | 1.84 | 2.12 |
| Price/Book | 2.79 | 2.66 | 3.16 | 4.29 | 5.03 |
| EV/Revenue | 1.30 | 1.44 | 1.26 | 1.78 | 2.07 |
| EV/EBITDA | 23.65 | 18.72 | 8.61 | — | — |
| ROE | -6.62% | -0.58% | -2.64% | -2.40% | 1.55% |
| ROA | -0.95% | -0.09% | -0.43% | -0.41% | 0.27% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 30.1% on the provider's reported measure. Finnhub fundamentals ↗
- Trailing 52-week price return is +37.8%. Finnhub market metrics ↗
Potential concerns
- Net profit margin is -4.7%. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-10-16; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on BWIN
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $492.9M | $532.2M | $365.4M | $378.8M | $413.4M | $338.9M | $339.8M | $380.4M |
| Operating income | -$8.3M | -$101.3M | $3.2M | $27.9M | $56.0M | $15.4M | $16.5M | $34.3M |
| Net income | -$39.0M | $2.3M | -$18.7M | -$3.2M | $13.9M | -$8.4M | -$17.6M | $21.6M |
| EPS (diluted) | $-0.42 | $0.02 | $-0.27 | $-0.05 | $0.20 | $-0.13 | $-0.28 | $0.33 |
| EPS (basic) | $-0.42 | $0.02 | $-0.27 | $-0.05 | $0.21 | $-0.13 | $-0.28 | $0.35 |
| Operating margin | -$2 | -$19 | $1 | $7 | $14 | $5 | $5 | $9 |
| Net margin | -$8 | $0 | -$5 | -$1 | $3 | -$2 | -$5 | $6 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.17B | $5.94B | $3.86B | $3.79B | $3.74B | $3.55B | $3.53B | $3.54B |
| Total liabilities | $4.75B | $4.39B | $2.78B | $2.67B | $2.69B | $2.50B | $2.53B | $2.50B |
| Stockholders' equity | $884.4M | $963.9M | $600.2M | $619.7M | $630.8M | $619.6M | $583.2M | $595.4M |
| Total current assets | $1.85B | $1.59B | $1.20B | $1.11B | $1.24B | $1.06B | $1.03B | $1.01B |
| Total current liabilities | $1.72B | $1.47B | $1.03B | $959.7M | $1.01B | $933.4M | $1.06B | $1.03B |
| Cash & equivalents | $184.5M | $146.4M | $123.7M | $89.7M | $105.7M | $81.8M | $90.0M | $181.8M |
| Other current assets | — | — | — | — | — | — | — | — |
| Property, plant & equipment | $33.4M | $31.5M | $22.5M | $21.2M | $21.3M | $22.3M | $22.0M | $21.3M |
| Goodwill | $2.65B | $2.65B | $1.52B | $1.52B | $1.42B | $1.41B | $1.41B | $1.41B |
| Intangible assets | $1.45B | $1.48B | $978.4M | $1.02B | $925.5M | $937.6M | $953.5M | $968.8M |
| Other non-current assets | $111.3M | $96.4M | $82.4M | $68.9M | $64.7M | $49.2M | $48.0M | $47.4M |
| Accrued liabilities | $51.2M | $59.1M | $57.4M | $29.5M | $24.6M | $20.6M | $12.4M | $10.0M |
| Deferred revenue (current) | $46.5M | $41.4M | $36.3M | $38.5M | $43.2M | $43.3M | $40.8M | $40.0M |
| Short-term debt | $16.1M | $16.1M | $12.6M | $10.1M | $9.4M | $9.4M | $8.4M | $8.4M |
| Other current liabilities | — | — | — | — | — | — | — | — |
| Long-term debt | — | — | — | — | — | — | — | — |
| Other non-current liabilities | $129.4M | $128.4M | $0 | $61.0K | $61.0K | $61.0K | $61.0K | $123.0K |
| Retained earnings | -$368.5M | -$274.9M | -$245.2M | -$219.4M | -$200.6M | -$197.5M | -$211.4M | -$191.3M |
| Accumulated other comprehensive income (loss) | $5.0M | $2.7M | $492.0K | $1.1M | — | — | $0 | — |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $45.6M | -$6.1M | $10.3M | $41.0M | -$16.7M | -$64.0M | -$2.3M | $32.4M |
| Investing cash flow | -$29.7M | -$491.2M | -$10.7M | -$83.4M | -$37.6M | -$8.6M | -$12.3M | -$10.0M |
| Financing cash flow | $138.7M | $606.5M | $21.4M | -$15.4M | $139.0M | $58.9M | -$17.3M | -$37.9M |
| Capital expenditures | — | — | — | — | — | — | — | — |
| Depreciation & amortization | $58.8M | $57.1M | $100.4M | $32.0M | $27.7M | $27.5M | $83.4M | $28.5M |
| Share-based compensation | $20.7M | $12.8M | $19.3M | $22.0M | $17.0M | $12.8M | $18.7M | $17.9M |
| Purchases of investments | $8.4M | $87.0K | $346.0K | $700.0K | $15.0M | $620.0K | $158.0K | $362.0K |
| Share repurchases | $79.9M | $47.0M | — | — | $0 | $0 | — | — |
| Debt issued | — | — | — | — | — | — | — | — |
| Debt repaid | — | — | — | — | — | — | — | — |
| Other financing activities | -$4.9M | -$2.4M | -$4.6M | -$6.0K | -$22.0K | -$488.0K | -$2.3M | $0 |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $1.50B | $1.39B | $1.22B | $980.7M | $567.3M |
| Operating income | $73.9M | $60.6M | -$42.6M | -$31.1M | -$31.6M |
| Net income | -$33.8M | -$24.5M | -$90.1M | -$41.8M | -$30.6M |
| EPS (diluted) | $-0.50 | $-0.39 | $-1.50 | $-0.74 | $-0.64 |
| EPS (basic) | $-0.50 | $-0.39 | $-1.50 | $-0.74 | $-0.64 |
| Operating margin | $5 | $4 | -$3 | -$3 | -$6 |
| Net margin | -$2 | -$2 | -$7 | -$4 | -$5 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $3.86B | $3.53B | $3.50B | $3.46B | $2.88B |
| Total liabilities | $2.78B | $2.53B | $2.48B | $2.32B | $1.69B |
| Stockholders' equity | $600.2M | $583.2M | $560.4M | $608.1M | $608.4M |
| Total current assets | $1.20B | $1.03B | $925.9M | $772.4M | $578.4M |
| Total current liabilities | $1.03B | $1.06B | $1.03B | $699.2M | $540.7M |
| Cash & equivalents | $123.7M | $90.0M | $116.2M | $118.1M | $138.3M |
| Property, plant & equipment | $22.5M | $22.0M | $22.7M | $25.4M | $17.5M |
| Goodwill | $1.52B | $1.41B | $1.41B | $1.42B | $1.23B |
| Intangible assets | $978.4M | $953.5M | $1.02B | $1.10B | $944.5M |
| Other non-current assets | $82.4M | $48.0M | $38.1M | $45.9M | $25.6M |
| Accrued liabilities | $57.4M | $12.4M | $23.3M | $13.1M | $9.7M |
| Deferred revenue (current) | $38.2M | $40.8M | $30.3M | $31.0M | $18.2M |
| Short-term debt | $12.6M | $8.4M | $10.2M | $8.5M | $8.5M |
| Long-term debt | — | — | — | — | — |
| Other non-current liabilities | $0 | $61.0K | $123.0K | $164.0K | $3.6M |
| Retained earnings | -$245.2M | -$211.4M | -$186.9M | -$96.8M | -$55.0M |
| Accumulated other comprehensive income (loss) | $492.0K | $0 | — | — | — |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$29.4M | $51.5M | $46.0K | -$2.5M | $40.1M |
| Investing cash flow | -$140.3M | $13.3M | -$21.9M | -$414.4M | -$678.5M |
| Financing cash flow | $203.8M | $21.1M | $18.4M | $419.6M | $724.1M |
| Free cash flow | — | — | -$21.3M | -$24.4M | $34.8M |
| Capital expenditures | — | — | $21.4M | $22.0M | $5.3M |
| Depreciation & amortization | $127.8M | $108.9M | $98.4M | $86.4M | — |
| Share-based compensation | $71.1M | $65.5M | $60.0M | $47.4M | $19.2M |
| Purchases of investments | $16.7M | $3.9M | $1.7M | $1.1M | $1.9M |
| Debt repaid | — | — | — | — | — |
| Other financing activities | -$5.2M | -$264.0K | -$343.0K | — | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding BWIN as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-04-01 to 2026-10-14
Recent transactions
- Insiders have net sold 217,000 shares over the last 182 days, across 0 purchases and 5 sales.
- Most recent: Baldwin Lowry (Director) — Acquired/disposed by will or inheritance of 8,350 shares on 2026-10-14.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Baldwin Lowry | Director | Acquired/disposed by will or inheritance | 2026-10-14 | 8,350 |
| Williams Myron K | Director | Grant / award | 2026-10-01 | 824 |
| KADOW JOSEPH JOHN | Director | Grant / award | 2026-10-01 | 824 |
| Parasuraman Sunita | Director | Grant / award | 2026-10-01 | 824 |
| Sparks Paul Eugene | Director | Grant / award | 2026-10-01 | 824 |
| Cohen Jay A | Director | Grant / award | 2026-10-01 | 824 |
| Muthukrishnan Sathish | Director | Grant / award | 2026-10-01 | 824 |
| Shook Ellyn | Director | Grant / award | 2026-10-01 | 824 |
| SULLIVAN CHRIS THOMAS | Director | Grant / award | 2026-10-01 | 824 |
| Matas Barbara Ruth | Director | Grant / award | 2026-10-01 | 824 |
| Cohen Seth Bala | General Counsel | Open market sale | 2026-05-14 | 15,000 |
| Krystyn Elizabeth | Member of 10% Owner Group | Open market sale | 2026-05-07 | 98,278 |
| Lichon Corbyn N. | Chief Accounting Officer | Grant / award | 2026-04-01 | 2,033 |
| Hale Bradford | Chief Financial Officer | Tax withholding | 2026-04-01 | 9,837 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-10-14 | Baldwin Lowry | Director | Acquired/disposed by will or inheritance | 8,350 | $0.00 |
| 2026-10-01 | Williams Myron K | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | KADOW JOSEPH JOHN | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Parasuraman Sunita | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Sparks Paul Eugene | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Sparks Paul Eugene | Director | Tax withholding | 244 | $31.77 |
| 2026-10-01 | Cohen Jay A | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Muthukrishnan Sathish | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Shook Ellyn | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | SULLIVAN CHRIS THOMAS | Director | Grant / award | 824 | $0.00 |
| 2026-10-01 | Matas Barbara Ruth | Director | Grant / award | 824 | $0.00 |
| 2026-07-01 | Williams Myron K | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | SULLIVAN CHRIS THOMAS | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Shook Ellyn | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Sparks Paul Eugene | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Sparks Paul Eugene | Director | Tax withholding | 416 | $26.91 |
| 2026-07-01 | Parasuraman Sunita | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Muthukrishnan Sathish | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Matas Barbara Ruth | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | Cohen Jay A | Director | Grant / award | 1,207 | $0.00 |
| 2026-07-01 | KADOW JOSEPH JOHN | Director | Grant / award | 1,207 | $0.00 |
| 2026-05-14 | Cohen Seth Bala | General Counsel | Open market sale | 15,000 | $20.01 |
| 2026-05-07 | Krystyn Elizabeth | Member of 10% Owner Group | Open market sale | 98,278 | $21.20 |
| 2026-05-07 | Krystyn Elizabeth | Member of 10% Owner Group | Open market sale | 31,740 | $21.18 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Derivative conversion | 152,000 | $0.00 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Derivative conversion | 152,000 | $0.00 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Open market sale | 53,722 | $21.19 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Derivative conversion | 50,000 | $0.00 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Derivative conversion | 50,000 | $0.00 |
| 2026-05-06 | Krystyn Elizabeth | Member of 10% Owner Group | Open market sale | 18,260 | $21.20 |
| 2026-04-01 | Lichon Corbyn N. | Chief Accounting Officer | Grant / award | 2,033 | $0.00 |
| 2026-04-01 | Hale Bradford | Chief Financial Officer | Tax withholding | 9,837 | $21.53 |
| 2026-04-01 | Sparks Paul Eugene | Director | Grant / award | 2,275 | $0.00 |
| 2026-04-01 | Sparks Paul Eugene | Director | Tax withholding | 784 | $21.53 |
| 2026-04-01 | Williams Myron K | Director | Grant / award | 1,221 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 04:27 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-16 | 4 | 2026-10-14 | View on SEC.gov → |
| 2026-10-09 | 8-K | 2026-10-09 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-02 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-09-21 | 8-K | 2026-09-21 | View on SEC.gov → |
Recent news
Headlines about BWIN (The Baldwin Insurance Group, Inc. Class A). Links open the publisher — we don’t host full articles.
-
BWIN Oct 2026 25.000 call (BWIN261016C00025000) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-17 -
A relative’s estate distributes 8,350 shares to the chairman’s trust at Baldwin Insurance Group (BWIN).
Stock Titan · 2026-10-16 -
BWIN Oct 2026 30.000 put (BWIN261016P00030000) interactive stock chart
Yahoo Finance Australia · 2026-10-16 -
BWIN Oct 2026 25.000 put (BWIN261016P00025000) stock price, news, quote and history
Yahoo Finance UK · 2026-10-16 -
BWIN261016P00025000 Interactive Stock Chart | BWIN Oct 2026 25.000 put Stock - Yahoo Finance
Yahoo! Finance Canada · 2026-10-16 -
BWIN Oct 2026 30.000 put (BWIN261016P00030000) Interactive Stock Chart - Yahoo Finance
Yahoo! Finance Canada · 2026-10-16 -
BWIN Oct 2026 30.000 put (BWIN261016P00030000) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-16 -
BWIN Oct 2026 25.000 put (BWIN261016P00025000) Interactive Stock Chart - Yahoo Finance
Yahoo! Finance Canada · 2026-10-16
No headlines in this category right now — try “All”.