Baldwin Insurance Group(BWIN)
$32.04-0.14 (-0.44%)
BWIN
Baldwin Insurance Group financials statements
$32.04
At close:-0.14 (-0.44%)
Want to see BWIN full AI Analyst Report?
Baldwin Insurance Group (BWIN) Ratios
145 Followers
Baldwin Insurance Group Ratios
BWIN's free cash flow for Q3 2026 was $39.16M. For the 2026 fiscal year, BWIN's free cash flow was decreased by $-15.04M and operating cash flow was $54.19M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.16 | 0.97 | 0.90 | 1.10 | 1.07 |
| Quick Ratio | 1.16 | 0.97 | 0.90 | 1.10 | 1.07 |
| Cash Ratio | 0.12 | 0.14 | 0.11 | 0.17 | 0.26 |
| Solvency Ratio | 0.03 | 0.03 | 0.00 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | -0.03 | 0.10 | 0.04 | -0.00 | 0.07 |
| Short-Term Operating Cash Flow Coverage | -1.36 | 0.65 | 0.20 | -0.04 | 0.38 |
| Net Current Asset Value | $ -1.58B | $ -1.50B | $ -1.56B | $ -1.55B | $ -1.11B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.46 | 0.46 | 0.47 | 0.43 | 0.36 |
| Debt-to-Equity Ratio | 2.95 | 2.81 | 2.91 | 2.42 | 1.71 |
| Debt-to-Capital Ratio | 0.75 | 0.74 | 0.74 | 0.71 | 0.63 |
| Long-Term Debt-to-Capital Ratio | 0.74 | 0.71 | 0.70 | 0.68 | 0.58 |
| Financial Leverage Ratio | 6.43 | 6.06 | 6.25 | 5.69 | 4.73 |
| Debt Service Coverage Ratio | 1.36 | 1.04 | 0.33 | 0.68 | 0.49 |
| Interest Coverage Ratio | 0.90 | 0.00 | -0.36 | -0.44 | -1.18 |
| Debt to Market Cap | 1.04 | 0.63 | 0.85 | 0.80 | 0.67 |
| Interest Debt Per Share | 27.85 | 25.86 | 29.12 | 27.18 | 22.39 |
| Net Debt to EBITDA | 8.37 | 9.07 | 12.96 | 15.48 | 13.83 |
| Profitability Margins | |||||
| Gross Profit Margin | 12.76% | 25.01% | 24.54% | 25.79% | 28.56% |
| EBIT Margin | 4.59% | 4.05% | 1.53% | 0.12% | 2.42% |
| EBITDA Margin | 13.08% | 11.96% | 9.68% | 9.03% | 11.62% |
| Operating Profit Margin | 7.27% | 4.41% | -3.52% | -3.21% | -5.65% |
| Pretax Profit Margin | -3.48% | -2.86% | -13.47% | -7.84% | -10.38% |
| Net Profit Margin | -2.25% | -1.78% | -7.46% | -4.31% | -5.47% |
| Continuous Operations Profit Margin | -3.60% | -2.99% | -13.58% | -7.92% | -10.38% |
| Net Income Per EBT | 64.50% | 62.31% | 55.39% | 54.94% | 52.75% |
| EBT Per EBIT | -47.94% | -64.88% | 382.44% | 244.49% | 183.71% |
| Return on Assets (ROA) | -0.88% | -0.69% | -2.57% | -1.21% | -1.07% |
| Return on Equity (ROE) | -5.63% | -4.20% | -16.08% | -6.87% | -5.04% |
| Return on Capital Employed (ROCE) | 3.86% | 2.45% | -1.72% | -1.13% | -1.35% |
| Return on Invested Capital (ROIC) | 3.81% | 2.29% | -1.57% | -1.10% | -1.29% |
| Return on Tangible Assets | -2.47% | -2.10% | -8.41% | -4.44% | -4.36% |
| Earnings Yield | -2.07% | -1.00% | -4.98% | -2.44% | -2.14% |
| Efficiency Ratios | |||||
| Receivables Turnover | 1.79 | 1.96 | 1.92 | 1.82 | 1.63 |
| Payables Turnover | 1.70 | 1.44 | 1.47 | 1.37 | 1.14 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 17.81 | 14.59 | 11.16 | 7.96 | 5.65 |
| Asset Turnover | 0.39 | 0.39 | 0.34 | 0.28 | 0.19 |
| Working Capital Turnover Ratio | 21.97 | -20.02 | -70.34 | 17.48 | 9.16 |
| Cash Conversion Cycle | -10.86 | -66.45 | -58.53 | -66.18 | -97.80 |
| Days of Sales Outstanding | 203.54 | 186.21 | 189.73 | 200.29 | 223.25 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 214.40 | 252.66 | 248.26 | 266.46 | 321.05 |
| Operating Cycle | 203.54 | 186.21 | 189.73 | 200.29 | 223.25 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -0.43 | 1.61 | 0.74 | -0.04 | 0.84 |
| Free Cash Flow Per Share | -1.01 | 0.96 | 0.39 | -0.43 | 0.73 |
| Dividend Paid and CapEx Coverage Ratio | -0.74 | 2.47 | 2.05 | -0.11 | 7.54 |
| Capital Expenditure Coverage Ratio | -0.74 | 2.49 | 2.09 | -0.11 | 7.54 |
| Operating Cash Flow Coverage Ratio | -0.02 | 0.06 | 0.03 | -0.00 | 0.04 |
| Operating Cash Flow to Sales Ratio | -0.02 | 0.07 | 0.04 | -0.00 | 0.07 |
| Free Cash Flow Yield | -4.22% | 2.48% | 1.29% | -1.43% | 2.43% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -48.06 | -99.38 | -20.06 | -40.91 | -46.69 |
| Price-to-Sales (P/S) Ratio | 1.08 | 1.79 | 1.50 | 1.76 | 2.56 |
| Price-to-Book (P/B) Ratio | 2.72 | 4.22 | 3.23 | 2.81 | 2.35 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -23.68 | 40.25 | 77.71 | -69.91 | 41.11 |
| Price-to-Operating Cash Flow Ratio | -55.50 | 24.08 | 40.50 | -694.05 | 35.66 |
| Price-to-Earnings Growth (PEG) Ratio | -1.70 | 1.34 | -1.68 | -4.16 | -4.28 |
| Enterprise Value Multiple | 16.66 | 24.01 | 28.43 | 34.99 | 35.82 |
| Enterprise Value | 3.28B | 3.95B | 3.32B | 3.06B | 2.33B |
| EV to EBITDA | 16.66 | 24.01 | 28.43 | 34.99 | 35.82 |
| EV to Sales | 2.18 | 2.87 | 2.75 | 3.16 | 4.16 |
| EV to Free Cash Flow | -47.56 | 64.68 | 142.85 | -125.36 | 66.98 |
| EV to Operating Cash Flow | -111.47 | 38.69 | 74.45 | -1244.52 | 58.09 |
| Tangible Book Value Per Share | -20.77 | -21.39 | -23.46 | -24.32 | -20.71 |
| Shareholders’ Equity Per Share | 8.83 | 9.19 | 9.32 | 10.70 | 12.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | -0.03 | -0.04 | -0.01 | -0.01 | -0.00 |
| Revenue Per Share | 22.15 | 21.69 | 20.08 | 17.06 | 11.77 |
| Net Income Per Share | -0.50 | -0.39 | -1.50 | -0.74 | -0.64 |
| Tax Burden | 0.64 | 0.62 | 0.55 | 0.55 | 0.53 |
| Interest Burden | -0.76 | -0.71 | -8.78 | -62.89 | -4.28 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 |
| Income Quality | 0.54 | -2.49 | -0.50 | 0.03 | -0.69 |
Currency in USD
