BWIN — Stock Film
STOCK FILMSCENE 1/11BWIN · $27.25
Stock Expert AI presents
BWIN
The Baldwin Insurance Group, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
The Baldwin Insurance Group, Inc. A quick introduction.

On the stock market since 2019, it operates in the world of money and finance. It has 5,020 employees. Now — the numbers.

on the stock market since 2019
5,020 employees
$2B market value
Revenue last year:
$0
The loss that same year:
$0
Sales don’t cover the costs; the gap drains from the cash pile every year.

The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.

WHERE DOES THE MONEY COME FROM?
79%Commission Revenue
Commission Revenue 79%Consulting and Service Fee Revenue 6%Profit Sharing Revenue 6%Policy Fee and Installment Fee Revenue 5%Earned Premium 2%Other 1%
79% of all revenue comes from a single line: Commission Revenue.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing, year after year.

Average growth of 28% a year over the last 4 years. Red columns mark years that ended in a loss.

$560M
2021
$969.5M
2022
$1.2B
2023
$1.4B
2024
$1.5B
2025
In the vault right now:
$0
DEBT: $1.8B
At this pace, that money lasts about 3.7 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
18
very weak

Clearly below the class average.

FINANCIAL STRENGTH
5
very weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
15
very weak

Clearly below the class average.

GROWTH
47
weak

Clearly below the class average.

PRICE MOMENTUM
10
very weak

Clearly below the class average.

WORTH WATCHING

Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 51% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
Sales keep climbing

Over the last 3 years, sales grew about 16% a year on average.

2
THE BRIGHT SIDE · 2/3
Sales are holding up

The company sells $1.5B a year; the problem isn’t sales — it’s costs running above that number.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

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.

1
THE RISKS · 1/3
The losses continue

A loss of $33.8M against $1.5B in annual sales.

2
THE RISKS · 2/3
A thin financial cushion

The balance sheet offers little cushion against a rough stretch. Report-card grade: 5/100.

3
THE RISKS · 3/3
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 10/100. For a turnaround signal, the stock first needs to close the gap with the market.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

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.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Jul 24, 2026 · stockexpertai.com · Stock Film