The Baldwin Insurance Group, Inc.
BWINFinancial ServicesNASDAQInsurance Brokers · Last scanned Jun 2, 2026
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Daily timeframeOperating under the Insurance Brokers umbrella, The Baldwin Insurance Group, Inc. is a financial services company. The Baldwin Insurance Group, Inc. The $1.97B market capitalization puts BWIN squarely in small-cap range for its industry. operates as an independent insurance distribution firm that delivers insurance and risk management solutions in the United States.
Market Cap
$1.97B
Beta
1.23
P/E (TTM)
—
P/E (Fwd)
8.03
EPS (TTM)
$-0.69
EPS (Fwd)
$2.52
ROE
-6.2%
ROA
-0.9%
Cash
$146.4M
Total Debt
$2.46B
Free CF
$118.5M
52W Change
-50.0%
Annual Financials
Cash vs Debt
On the balance sheet, BWIN has $146.4M in cash with $2.46B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow comes in at $118.5M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of -6.2% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has grown from $969.5M (2022) to $1.49B (2025), reflecting a 54% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing BWIN.