Provides commercial risk management solutions to businesses. Offers employee benefits solutions to companies. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
Average growth of 28% a year over the last 4 years. Red columns mark years that ended in a loss.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
This company is not turning a profit, so the market is pricing its sales instead: 1.6× for every dollar of annual revenue.
Against companies in its own sector, it looks cheaper than 9% of them.
Analysts' average target sits 10% above today's price.
The stock trades 46% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 28% a year on average.
The company sells $1.5B a year; the problem isn’t sales — it’s costs running above that number.
Over the last 12 months, company executives reported 59 buys and 58 sells. Management buying with its own money is usually read as a good sign.
A loss of $33.8M against $1.5B in annual sales.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 7/100.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 9/100.
On our five-subject report card, BWIN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: BWIN has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.