Stocktoria
Baldwin Insurance Group, Inc. BWIN
Nasdaq · XNAS · stock · Insurance Agents, Brokers & Service · website · IPO 2019-10-24
Chart by TradingView
2/9
Piotroski F — financial health
0.43
Altman Z″ — distress risk · distress
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.5B | $1.4B | $1.2B | $980.7M | $567.3M |
| Operating income | $73.9M | $60.6M | -$42.6M | -$31.1M | -$31.6M |
| Net income | -$33.8M | -$24.5M | -$90.1M | -$41.8M | -$30.6M |
| Operating cash flow | -$29.4M | $51.5M | $46,000 | -$2.5M | $40.1M |
| Free cash flow | — | — | -$21.3M | -$24.4M | $34.8M |
| Total assets | $3.9B | $3.5B | $3.5B | $3.5B | $2.9B |
| Total liabilities | $2.8B | $2.5B | $2.5B | $2.3B | $1.7B |
| Shareholders' equity | $600.2M | $1.0B | $1.0B | $1.1B | $1.2B |
| Ratios | |||||
| Operating margin | 4.9% | 4.4% | -3.5% | -3.2% | -5.6% |
| Net margin | -2.3% | -1.8% | -7.4% | -4.3% | -5.4% |
| FCF margin | — | — | -1.8% | -2.5% | 6.1% |
| Return on assets | -0.9% | -0.7% | -2.6% | -1.2% | -1.1% |
| Return on equity | -5.6% | -2.4% | -8.9% | -3.7% | -2.6% |
| Current ratio | 1.16 | 0.97 | 0.90 | 1.10 | 1.07 |
| Revenue growth | 7.5% | 14.0% | 24.3% | 72.9% | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 446,978 | $9.8M |
Why these scores methodology →
Piotroski F-score: 2/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 0.43 (distress)
- Working capital / assets 0.043
- Retained earnings / assets -0.063
- EBIT / assets 0.019
- Equity / liabilities 0.216
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001781755 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.