ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Baldwin Insurance Group, Inc. ?
1
Strong Long Term Fundamental Strength with a 136.41% CAGR growth in Operating Profits
2
Healthy long term growth as Net Sales has grown by an annual rate of 44.25% and Operating profit at 136.41%
3
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at USD 28.5 MM
- PRE-TAX PROFIT(Q) Lowest at USD -127.05 MM
- RAW MATERIAL COST(Y) Grown by 21.28% (YoY)
4
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -41.73%, its profits have risen by 143.8% ; the PEG ratio of the company is 3.3
5
High Institutional Holdings at 93.66%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -41.73% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Baldwin Insurance Group, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Baldwin Insurance Group, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Baldwin Insurance Group, Inc.
-41.73%
-0.46
63.36%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
44.25%
EBIT Growth (5y)
136.41%
EBIT to Interest (avg)
0.85
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
1.96%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
93.66%
ROCE (avg)
12.50%
ROE (avg)
1.34%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
472
Industry P/E
Price to Book Value
5.02
EV to EBIT
25.01
EV to EBITDA
11.37
EV to Capital Employed
10.52
EV to Sales
1.77
PEG Ratio
3.34
Dividend Yield
NA
ROCE (Latest)
42.09%
ROE (Latest)
1.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NET PROFIT(Q)
At USD 21.71 MM has Grown at 1,260.3%
CASH AND EQV(HY)
Highest at USD 803.02 MM
NET SALES(Q)
Highest at USD 532.24 MM
-13What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 28.5 MM
PRE-TAX PROFIT(Q)
Lowest at USD -127.05 MM
RAW MATERIAL COST(Y)
Grown by 21.28% (YoY
DEBTORS TURNOVER RATIO(HY)
Lowest at 1.75 times
INTEREST(Q)
Highest at USD 38.9 MM
Here's what is working for Baldwin Insurance Group, Inc.
Net Profit
At USD 21.71 MM has Grown at 1,260.3%
over average net sales of the previous four periods of USD 1.6 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
At USD 532.24 MM has Grown at 41.47%
over average net sales of the previous four periods of USD 376.22 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
Highest at USD 532.24 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 803.02 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 57.08 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 57.08 MM has Grown at 40.34%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Baldwin Insurance Group, Inc.
Pre-Tax Profit
At USD -127.05 MM has Fallen at -4,055.73%
over average net sales of the previous four periods of USD -3.06 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Operating Cash Flow
Lowest at USD 28.5 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Interest
At USD 38.9 MM has Grown at 34.14%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Pre-Tax Profit
Lowest at USD -127.05 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Interest
Highest at USD 38.9 MM
in the last five periods and Increased by 34.14% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debtors Turnover Ratio
Lowest at 1.75 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Raw Material Cost
Grown by 21.28% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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