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    The Baldwin Insurance Group, Inc. (BWIN)

    Official site

    FINANCIAL SERVICES • INSURANCE BROKERS • NASDAQ

    $31.93
    +0.01 (+0.03%)

    Market Cap: $4.49B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    75%(21/28)
    Avg Surprise
    -23.82%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.43
    Range$0.40 - $0.46
    9 analysts
    EPS Revisions
    1
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.44-2.1%
    60d ago$0.43+0.7%
    30d ago$0.43+0.0%
    7d ago$0.430.0%
    Current$0.43
    Revenue Consensus
    $492M
    Range$481M - $501M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.48
    Range$0.42 - $0.55
    9 analysts
    Revenue Consensus
    $501M
    Range$472M - $519M
    8 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.48---
    Sep 26EST
    		-$0.43---
    Jun 26
    Reported Jul 30
    		$0.28$0.28+0.00%Beat-33.3%
    Mar 26
    Reported May 4
    		$0.63$0.63+0.00%Beat-3.1%
    Dec 25
    Reported Feb 26
    		$0.03N/A-82.35%Miss+109.6%
    Sep 25
    Reported Nov 4
    		$0.31$0.31+0.00%Beat-6.1%
    Jun 25
    Reported Aug 5
    		$0.42$0.42+0.00%Beat+23.5%
    Mar 25
    Reported May 6
    		$0.65$0.65+0.00%Beat+16.1%
    Dec 24
    Reported Feb 25
    		$-0.31$0.26-221.71%Miss-322.3%
    Sep 24
    Reported Nov 4
    		$0.33$0.34-2.94%Miss+13.8%
    Jun 24
    Reported Aug 6
    		$0.34$0.33+3.03%Beat+25.9%
    Mar 24
    Reported May 7
    		$0.56$0.52+7.69%Beat+33.3%
    Dec 23
    Reported Feb 28
    		$0.14$0.11+27.27%Beat+16.7%
    Sep 23
    Reported Nov 7
    		$0.29$0.27+7.41%Beat+61.1%
    Jun 23
    Reported Aug 9
    		$0.27$0.27+0.00%Beat+17.4%
    Mar 23
    Reported May 9
    		$0.42$0.41+2.44%Beat-16.0%
    Dec 22
    Reported Feb 28
    		$0.12$0.10+20.00%Beat+20.0%
    Sep 22
    Reported Nov 7
    		$0.18$0.16+12.50%Beat+63.6%
    Jun 22
    Reported Aug 9
    		$0.23$0.19+21.05%Beat+64.3%
    Mar 22
    Reported May 10
    		$0.50$0.51-1.96%Miss+13.6%
    Dec 21
    Reported Mar 1
    		$0.10$0.10+0.00%Beat+190.9%
    Sep 21
    Reported Nov 8
    		$0.11$0.11+0.00%Beat+0.0%
    Jun 21
    Reported Aug 9
    		$0.14$0.09+55.56%Beat+40.0%
    Mar 21
    Reported May 10
    		$0.44$0.40+10.00%Beat+131.6%
    Dec 20
    Reported Mar 11
    		$-0.11$0.06-283.33%Miss+26.7%
    Sep 20
    Reported Nov 12
    		$0.11$0.10+10.00%Beat+120.0%
    Jun 20
    Reported Aug 13
    		$0.10$0.08+25.00%Beat+233.3%
    Mar 20
    Reported May 13
    		$0.19$0.10+90.00%Beat-
    Dec 19
    Reported Mar 24
    		$-0.15$0.06-350.00%Miss-
    Sep 19
    Reported Dec 2
    		$0.05$0.06-16.67%Miss-
    Jun 19
    Reported Sep 23
    		$0.03$0.00N/ABeat-

    Key Metrics

    Valuation
    P/E Ratio25.54EV/EBITDA62.96x
    Price/FCF67.77xFCF Yield1.48%
    Profitability
    Profit Margin-4.68%Operating Margin2.00%
    ROE-10.70%ROIC-2.22%
    Financial Health
    Debt/Equity2.99xInterest Coverage0.59x
    Current Ratio1.07xQuick Ratio1.07x
    Trading Statistics
    Beta1.00Avg Volume3.98M
    52-Week High$32.7052-Week Low$15.88

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$31.86
    SMA 20$31.85
    SMA 50$31.12
    SMA 200$24.73
    EMA 10$31.86
    EMA 20$31.70
    EMA 50$30.60
    EMA 200$27.55

    MACD

    Line: 0.29Signal: 0.36Hist: -0.07

    ADX

    ADX: 24.1+DI: 29.2-DI: 16.6

    Aroon & PSAR

    Aroon Up12.0
    Aroon DownN/A
    PSAR$30.72

    Bollinger Bands

    Upper Band$31.96
    Lower Band$31.74
    %B Position69%(Middle)
    Band Width0.85

    RSI (14-Day)

    Neutral
    58.5

    Momentum Oscillators

    Stoch %K73.2
    Stoch %D70.4
    Williams %R-36.8
    ROC (10d)0.5%
    Momentum0.16
    CCI (20d)164.2
    MFI (14d)44.0

    Volatility Measures

    ATR (14d)$0.35(1.1%)
    StdDev (20d)0.05
    Hist Vol2.5%(Low)

    Volume Flow

    VWAP$31.95
    OBV1.5M
    AD Line-37.9M
    CMF (20d)-0.364

    Volume Metrics

    Avg Vol (20d)3.0M
    Vol Ratio0.5x(Low)
    VWMA (20d)$31.85

    Pivot Points

    R3$32.01
    R2$31.97
    R1$31.94
    Pivot Point$31.90
    S1$31.87
    S2$31.83
    S3$31.80

    Advanced Oscillators

    TSI15.14
    Ultimate Osc37.8
    KST24.53

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$492.94M$532.24M$347.28M$365.39M$378.81M$413.40M$329.89M$338.94M$339.84M$380.37M$284.65M$306.27M
    Cost of Revenue$264.32M$283.61M$191.01M$193.03M$195.47M$198.02M$212.86M$172.65M$175.66M$201.06M$23.28M$220.47M
    Gross Profit$228.62M$248.62M$156.27M$172.36M$183.34M$215.38M$117.03M$166.29M$164.18M$179.31M$261.37M$85.80M
    Operating Expenses$236.96M$349.89M$169.51M$169.14M$155.40M$159.37M$122.51M$150.89M$147.72M$145.05M$291.10M$85.72M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$94.06M$224.16M$70.14M$56.01M$56.12M$58.02M$51.17M$48.84M$46.56M$45.80M$49.01M$47.16M
    Operating Income$-8,343,000$-101,266,000$-13,237,000$3.22M$27.94M$56.02M$-5,474,000$15.41M$16.46M$34.26M$-29,725,000$86,000
    Interest Income$664,000$511,000$0$109,000$0$0$0$0$0$0$0$0
    Interest Expense$45.80M$46.31M$29.54M$34.42M$31.32M$32.37M$14.76M$31.33M$46.01M$31.55M$31.86M$30.58M
    Income Before Tax$-55,897,000$-146,417,000$-42,630,000$-30,237,000$-4,456,000$24.90M$-35,259,000$-14,475,000$-29,383,000$39.77M$-62,115,000$-31,845,000
    Income Tax Expense$84,000$-144,521,000$1.04M$0$685,000$0$-420,000$0$1.48M$667,000$381,000$161,000
    Net Income$-55,981,000$-1,896,000$-43,674,000$-30,237,000$-5,141,000$24.90M$-34,839,000$-14,475,000$-30,867,000$39.10M$-62,496,000$-32,006,000
    EBITDA$55.00M$-41,876,000$28.75M$37.54M$55.94M$86.16M$8.90M$46.73M$45.02M$98.41M$-4,051,000$24.61M
    EBIT$-10,766,000$-100,619,000$-13,347,000$4.08M$26.86M$57.27M$-20,497,000$16.85M$16.63M$71.31M$-30,250,000$-1,265,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    BWIN Investors Have Opportunity to Join The Baldwin Insurance Group, Inc. Fraud Investigation with SBS Law

    Schall, Brown & Schwartz LLP (SBS), a national shareholder rights litigation firm, has launched an investigation into The Baldwin Insurance Group, Inc. (NASDAQ...

    Business Wire•10/9/26•Bearish

    Sole voting power covers 2.87M shares in FMR's Baldwin Insurance (BWIN) stake.

    FMR LLC and Abigail P. Johnson reported beneficial ownership of 2,866,144 shares (3.0%) of Baldwin Insurance Group, Inc. (BWIN) Class A common stock as of September 30...

    Stock Titan•10/8/26•Neutral

    Form 4 The Baldwin Insurance Group, Inc For: 2 October By Investing.com

    This article reports on a Form 4 filing for The Baldwin Insurance Group, Inc. related to activity on October 2nd. The content is brief and primarily serves as an announcement for this regulatory filing. The article also...

    Investing.com Nigeria•10/3/26•Neutral

    An 824-share grant brings Sunita Parasuraman's direct Baldwin Insurance (BWIN) holdings to 15,269 shares.

    Baldwin Insurance Group, Inc. director Sunita Parasuraman received a grant of 824 shares of Class A Common Stock on October 1, 2026. This transaction increased her direct holdings to 15,269 shares...

    Stock Titan•10/2/26•Neutral

    Form 4 The Baldwin Insurance Group, Inc For: 2 October By Investing.com

    This article reports on a Form 4 filing for The Baldwin Insurance Group, Inc. on October 2. The filing is brief and primarily serves as a notification...

    Investing.com UK•10/2/26•Neutral

    BWIN Valuation and Fair Value

    P/E
    25.5x
    Forward P/E
    12.3x
    EV/EBITDA
    63.0x
    P/FCF
    67.8x
    P/B
    3.3x
    See GNG's fair value

    BWIN Profitability: Margins, ROIC and FCF

    Gross margin
    46.4%
    Operating margin
    2.0%
    Net margin
    -4.7%
    ROIC
    -2.2%
    ROE
    -10.7%
    FCF margin
    2.5%
    FCF yield
    1.5%

    BWIN Competitors

    CompanyTicker
    Nelnet IncNNI
    Qudian IncQD
    TFS Financial CorporationTFSL
    First Financial Bankshares IncFFIN
    Piper Sandler CompaniesPIPR
    Radian Group IncRDN
    Flagstar Financial, Inc.FLG
    Enova International IncENVA

    Sector: Financial Services

    BWIN Analyst Ratings

    Consensus
    Hold
    Analysts
    8
    Strong Buy
    2
    Buy
    2
    Hold
    3
    Sell
    0
    Strong Sell
    1

    BWIN Bull Case vs Bear Case

    Bull case

    • BWIN grew quarterly revenue 30.1% year over year.

    Bear case

    • BWIN has a -4.7% net profit margin.
    • BWIN beat EPS estimates in 0.0% of its last 8 reported quarters.
    • BWIN has a debt-to-equity ratio of 3.0x.

    BWIN Earnings: Beat Rate and Next Report

    Beat rate
    0 of 8 quarters (0.0%)
    Average surprise
    -38.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.43
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    Frequently Asked Questions About BWIN

    Does BWIN pay dividends?

    The Baldwin Insurance Group, Inc. (BWIN) does not currently pay a regular dividend.

    What is BWIN's P/E ratio?

    The Baldwin Insurance Group, Inc. has a price-to-earnings (P/E) ratio of 25.54.

    What is BWIN's market cap?

    The Baldwin Insurance Group, Inc. (BWIN) has a market capitalization of $4.49B with a current stock price of $31.93.

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