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Baldwin Insurance Group (BWIN)
NASDAQ:BWIN
US Market
BWIN
Baldwin Insurance Group
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Baldwin Insurance Group (BWIN) Ratios

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Baldwin Insurance Group Ratios

BWIN's free cash flow for Q2 2026 was $-0.02. For the 2026 fiscal year, BWIN's free cash flow was decreased by $ and operating cash flow was $-0.02. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.07 1.16 0.97 0.90 1.10
Quick Ratio
 1.07 1.16 0.97 0.90 1.10
Cash Ratio
 0.11 0.12 0.14 0.11 0.17
Solvency Ratio
 0.02 0.03 0.03 <0.01 0.02
Operating Cash Flow Ratio
 0.05 -0.03 0.10 0.04 >-0.01
Short-Term Operating Cash Flow Coverage
 0.66 -1.36 0.65 0.20 -0.04
Net Current Asset Value
$ -2.91B$ -1.58B$ -1.50B$ -1.56B$ -1.55B
Leverage Ratios
Debt-to-Assets Ratio
 0.44 0.46 0.46 0.47 0.43
Debt-to-Equity Ratio
 3.04 2.95 2.81 2.91 2.42
Debt-to-Capital Ratio
 0.75 0.75 0.74 0.74 0.71
Long-Term Debt-to-Capital Ratio
 0.73 0.74 0.71 0.70 0.68
Financial Leverage Ratio
 6.98 6.43 6.06 6.25 5.69
Debt Service Coverage Ratio
 0.73 1.36 1.04 0.33 0.68
Interest Coverage Ratio
 -0.64 0.90 0.00 -0.36 -0.44
Debt to Market Cap
 1.08 1.04 0.63 0.85 0.80
Interest Debt Per Share
 41.01 27.85 25.86 29.12 27.18
Net Debt to EBITDA
 40.53 8.37 9.07 12.96 15.48
Profitability Margins
Gross Profit Margin
9.58%12.76%25.01%24.54%25.79%
EBIT Margin
-7.30%4.59%4.05%1.53%0.12%
EBITDA Margin
3.55%13.08%11.96%9.68%9.03%
Operating Profit Margin
-5.33%7.27%4.41%-3.52%-3.21%
Pretax Profit Margin
-15.87%-3.48%-2.86%-13.47%-7.84%
Net Profit Margin
-4.67%-2.25%-1.78%-7.46%-4.31%
Continuous Operations Profit Margin
-7.58%-3.60%-2.99%-13.58%-7.92%
Net Income Per EBT
29.45%64.50%62.31%55.39%54.94%
EBT Per EBIT
297.69%-47.94%-64.88%382.44%244.49%
Return on Assets (ROA)
-1.32%-0.88%-0.69%-2.57%-1.21%
Return on Equity (ROE)
-10.59%-5.63%-4.20%-16.08%-6.87%
Return on Capital Employed (ROCE)
-2.08%3.86%2.45%-1.72%-1.13%
Return on Invested Capital (ROIC)
-0.96%3.81%2.29%-1.57%-1.10%
Return on Tangible Assets
-3.92%-2.47%-2.10%-8.41%-4.44%
Earnings Yield
-3.97%-2.07%-1.00%-4.98%-2.44%
Efficiency Ratios
Receivables Turnover
 1.43 1.79 1.96 1.92 1.82
Payables Turnover
 16.19 1.70 1.44 1.47 1.37
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 15.12 17.81 14.59 11.16 7.96
Asset Turnover
 0.28 0.39 0.39 0.34 0.28
Working Capital Turnover Ratio
 14.15 21.97 -20.02 -70.34 17.48
Cash Conversion Cycle
 232.82 -10.86 -66.45 -58.53 -66.18
Days of Sales Outstanding
 255.36 203.54 186.21 189.73 200.29
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 22.54 214.40 252.66 248.26 266.46
Operating Cycle
 255.36 203.54 186.21 189.73 200.29
Cash Flow Ratios
Operating Cash Flow Per Share
 1.31 -0.43 1.61 0.74 -0.04
Free Cash Flow Per Share
 0.63 -1.01 0.96 0.39 -0.43
CapEx Per Share
 0.68 0.58 0.65 0.36 0.39
Free Cash Flow to Operating Cash Flow
 0.48 2.34 0.60 0.52 9.93
Dividend Paid and CapEx Coverage Ratio
 1.93 -0.74 2.47 2.05 -0.11
Capital Expenditure Coverage Ratio
 1.93 -0.74 2.49 2.09 -0.11
Operating Cash Flow Coverage Ratio
 0.03 -0.02 0.06 0.03 >-0.01
Operating Cash Flow to Sales Ratio
 0.05 -0.02 0.07 0.04 >-0.01
Free Cash Flow Yield
1.82%-4.22%2.48%1.29%-1.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -25.43 -48.06 -99.38 -20.06 -40.91
Price-to-Sales (P/S) Ratio
 1.38 1.08 1.79 1.50 1.76
Price-to-Book (P/B) Ratio
 2.31 2.72 4.22 3.23 2.81
Price-to-Free Cash Flow (P/FCF) Ratio
 54.99 -23.68 40.25 77.71 -69.91
Price-to-Operating Cash Flow Ratio
 22.55 -55.50 24.08 40.50 -694.05
Price-to-Earnings Growth (PEG) Ratio
 0.27 -1.70 1.34 -1.68 -4.16
Price-to-Fair Value
 2.31 2.72 4.22 3.23 2.81
Enterprise Value Multiple
 79.45 16.66 24.01 28.43 34.99
Enterprise Value
 4.91B 3.28B 3.95B 3.32B 3.06B
EV to EBITDA
 79.45 16.66 24.01 28.43 34.99
EV to Sales
 2.82 2.18 2.87 2.75 3.16
EV to Free Cash Flow
 112.24 -47.56 64.68 142.85 -125.36
EV to Operating Cash Flow
 54.04 -111.47 38.69 74.45 -1.24K
Tangible Book Value Per Share
 -38.82 -20.77 -21.39 -23.46 -24.32
Shareholders’ Equity Per Share
 12.81 8.83 9.19 9.32 10.70
Tax and Other Ratios
Effective Tax Rate
 0.52 -0.03 -0.04 >-0.01 >-0.01
Revenue Per Share
 25.17 22.15 21.69 20.08 17.06
Net Income Per Share
 -1.18 -0.50 -0.39 -1.50 -0.74
Tax Burden
 0.29 0.64 0.62 0.55 0.55
Interest Burden
 2.17 -0.76 -0.71 -8.78 -62.89
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
 0.04 0.05 0.05 0.05 0.05
Income Quality
 -0.64 0.54 -2.49 -0.50 0.03
Currency in USD