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STOCKS

Baldwin Insurance Group (BWIN)

NASDAQ:BWIN

BWIN

Baldwin Insurance Group

RESEARCH TOOLSreports

Baldwin Insurance Group (BWIN) Ratios

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132 Followers

Baldwin Insurance Group Ratios

BWIN's free cash flow for Q4 2025 was $0.04. For the 2025 fiscal year, BWIN's free cash flow was decreased by $ and operating cash flow was $-0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.16	1.16	0.97	0.90	1.10
Quick Ratio	1.16	1.16	0.97	0.90	1.10
Cash Ratio	0.12	0.12	0.14	0.11	0.17
Solvency Ratio	0.03	0.03	0.03	<0.01	0.02
Operating Cash Flow Ratio	-0.03	-0.03	0.10	0.04	>-0.01
Short-Term Operating Cash Flow Coverage	-1.36	-1.36	0.65	0.20	-0.04
Net Current Asset Value	$ -1.58B	$ -1.58B	$ -1.50B	$ -1.56B	$ -1.55B
Leverage Ratios
Debt-to-Assets Ratio	0.46	0.46	0.46	0.47	0.43
Debt-to-Equity Ratio	2.95	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	0.74	0.74	0.71	0.70	0.68
Financial Leverage Ratio	6.43	6.43	6.06	6.25	5.69
Debt Service Coverage Ratio	2.54	1.36	1.04	0.33	0.68
Interest Coverage Ratio	1.48	0.90	0.00	-0.36	-0.44
Debt to Market Cap	1.18	1.04	0.63	0.85	0.80
Interest Debt Per Share	26.51	27.85	25.86	29.12	27.18
Net Debt to EBITDA	7.86	8.37	9.07	12.96	15.48
Profitability Margins
Gross Profit Margin	23.87%	12.76%	25.01%	24.54%	25.79%
EBIT Margin	5.46%	4.59%	4.05%	1.53%	0.12%
EBITDA Margin	14.01%	13.08%	11.96%	9.68%	9.03%
Operating Profit Margin	5.95%	7.27%	4.41%	-3.52%	-3.21%
Pretax Profit Margin	-3.51%	-3.48%	-2.86%	-13.47%	-7.84%
Net Profit Margin	-2.26%	-2.25%	-1.78%	-7.46%	-4.31%
Continuous Operations Profit Margin	-3.62%	-3.60%	-2.99%	-13.58%	-7.92%
Net Income Per EBT	64.50%	64.50%	62.31%	55.39%	54.94%
EBT Per EBIT	-58.94%	-47.94%	-64.88%	382.44%	244.49%
Return on Assets (ROA)	-0.88%	-0.88%	-0.69%	-2.57%	-1.21%
Return on Equity (ROE)	-5.48%	-5.63%	-4.20%	-16.08%	-6.87%
Return on Capital Employed (ROCE)	3.14%	3.86%	2.45%	-1.72%	-1.13%
Return on Invested Capital (ROIC)	3.10%	3.81%	2.29%	-1.57%	-1.10%
Return on Tangible Assets	-2.47%	-2.47%	-2.10%	-8.41%	-4.44%
Earnings Yield	-2.32%	-2.07%	-1.00%	-4.98%	-2.44%
Efficiency Ratios
Receivables Turnover	1.78	1.79	1.96	1.92	1.82
Payables Turnover	1.48	1.70	1.44	1.47	1.37
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.70	17.81	14.59	11.16	7.96
Asset Turnover	0.39	0.39	0.39	0.34	0.28
Working Capital Turnover Ratio	9.54	21.97	-20.02	-70.34	17.48
Cash Conversion Cycle	-42.41	-10.86	-66.45	-58.53	-66.18
Days of Sales Outstanding	204.81	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	247.23	214.40	252.66	248.26	266.46
Operating Cycle	204.81	203.54	186.21	189.73	200.29
Cash Flow Ratios
Operating Cash Flow Per Share	-0.43	-0.43	1.61	0.74	-0.04
Free Cash Flow Per Share	-1.00	-1.01	0.96	0.39	-0.43
CapEx Per Share	0.57	0.58	0.65	0.36	0.39
Free Cash Flow to Operating Cash Flow	2.34	2.34	0.60	0.52	9.93
Dividend Paid and CapEx Coverage Ratio	-0.74	-0.74	2.47	2.05	-0.11
Capital Expenditure Coverage Ratio	-0.74	-0.74	2.49	2.09	-0.11
Operating Cash Flow Coverage Ratio	-0.02	-0.02	0.06	0.03	>-0.01
Operating Cash Flow to Sales Ratio	-0.02	-0.02	0.07	0.04	>-0.01
Free Cash Flow Yield	-4.81%	-4.22%	2.48%	1.29%	-1.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-43.16	-48.28	-100.31	-20.06	-40.91
Price-to-Sales (P/S) Ratio	0.96	1.08	1.79	1.50	1.76
Price-to-Book (P/B) Ratio	2.43	2.72	4.22	3.23	2.81
Price-to-Free Cash Flow (P/FCF) Ratio	-20.83	-23.68	40.25	77.71	-69.91
Price-to-Operating Cash Flow Ratio	-49.61	-55.50	24.08	40.50	-694.05
Price-to-Earnings Growth (PEG) Ratio	3.02	-1.71	1.36	-1.68	-4.16
Price-to-Fair Value	2.43	2.72	4.22	3.23	2.81
Enterprise Value Multiple	14.72	16.66	24.01	28.43	34.99
Enterprise Value	3.08B	3.28B	3.95B	3.32B	3.06B
EV to EBITDA	14.71	16.66	24.01	28.43	34.99
EV to Sales	2.06	2.18	2.87	2.75	3.16
EV to Free Cash Flow	-44.69	-47.56	64.68	142.85	-125.36
EV to Operating Cash Flow	-104.73	-111.47	38.69	74.45	-1.24K
Tangible Book Value Per Share	-20.44	-20.77	-21.39	-23.46	-24.32
Shareholders’ Equity Per Share	8.69	8.83	9.19	9.32	10.70
Tax and Other Ratios
Effective Tax Rate	-0.03	-0.03	-0.04	>-0.01	>-0.01
Revenue Per Share	21.66	22.15	21.69	20.08	17.06
Net Income Per Share	-0.49	-0.50	-0.39	-1.50	-0.74
Tax Burden	0.64	0.64	0.62	0.55	0.55
Interest Burden	-0.64	-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	0.05	0.05	0.05	0.05	0.05
Income Quality	0.45	0.54	-2.49	-0.50	0.03

Currency in USD