Baldwin Insurance Group (BWIN) Stock Price, News & Analysis

Company Overview

Baldwin Insurance Group, Inc. (NASDAQ: BWIN) is a specialty insurance and surety firm that underwrites contract bonds, commercial insurance policies and related risk-management services. Its core offerings include contract and commercial surety, which provide performance and payment guarantees to obligees in construction, service and public-sector projects. In addition, the company delivers complementary commercial lines coverages designed to mitigate liability, property and workers’ compensation exposures.

Through a network of regional agency offices primarily across the Midwestern United States, Baldwin Insurance Group serves contractors, developers, small and mid-sized businesses as well as municipal and public-sector clients. The company’s distribution model combines local underwriting expertise with centralized operational support and digital quoting platforms. By leveraging long-standing carrier relationships, Baldwin tailors premium finance and bonding solutions to meet the specific needs of its customer base.

The company is supported by a management team of experienced insurance professionals with deep expertise in surety, commercial lines and agency operations. Leadership emphasizes disciplined underwriting, proactive claims advocacy and customer-centric service. This strategic focus aims to sustain steady premium growth, maintain strong carrier partnerships and uphold financial stability in the specialty insurance marketplace.

Key Stats

• Today's Range: $27.87 to $28.84
• 50-Day Range: $27.12 to $40.64
• 52-Week Range: $26.33 to $55.82
• Volume: 810,292 shs
• Average Volume: 690,442 shs
• Market Capitalization: $3.42 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $43.67
• Consensus Rating: Hold

Baldwin Insurance Group Stock Analysis - MarketRank™

Baldwin Insurance Group scored higher than 68% of companies evaluated by MarketBeat, and ranked 549th out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.9 / 5
• Analyst Rating: Hold

Consensus Rating

Baldwin Insurance Group has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 4 buy ratings, 2 hold ratings, and 2 sell ratings.

Upside Potential

Baldwin Insurance Group has a consensus price target of $43.67, representing about 51.6% upside from its current price of $28.80.

Amount of Analyst Coverage

Baldwin Insurance Group has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 29.70%

Earnings Growth

Earnings for Baldwin Insurance Group are expected to grow by 29.70% in the coming year, from $1.01 to $1.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Baldwin Insurance Group is -99.31, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Baldwin Insurance Group is -99.31, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Growth Ratio

Baldwin Insurance Group has a PEG Ratio of 1.21. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Baldwin Insurance Group has a P/B Ratio of 3.36. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

8.23% of the float of Baldwin Insurance Group has been sold short.

Short Interest Ratio / Days to Cover

Baldwin Insurance Group has a short interest ratio ("days to cover") of 6.8.

Change versus previous month

Short interest in Baldwin Insurance Group has recently increased by 3.92%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Baldwin Insurance Group does not currently pay a dividend.

Dividend Growth

Baldwin Insurance Group does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

8.23% of the float of Baldwin Insurance Group has been sold short.

Short Interest Ratio / Days to Cover

Baldwin Insurance Group has a short interest ratio ("days to cover") of 6.8.

Change versus previous month

Short interest in Baldwin Insurance Group has recently increased by 3.92%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.3 / 5
• News Sentiment: 0.31

News Sentiment

Baldwin Insurance Group has a news sentiment score of 0.31. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Baldwin Insurance Group this week, compared to 6 articles on an average week.

MarketBeat Follows

Only 1 people have added Baldwin Insurance Group to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Baldwin Insurance Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $287,200.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

18.51% of the stock of Baldwin Insurance Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

77.49% of the stock of Baldwin Insurance Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BWIN Stock Analysis - Frequently Asked Questions

How have BWIN shares performed this year?

Baldwin Insurance Group's stock was trading at $38.76 on January 1st, 2025. Since then, BWIN shares have decreased by 25.7% and is now trading at $28.80.

How were Baldwin Insurance Group's earnings last quarter?

Baldwin Insurance Group, Inc. (NASDAQ:BWIN) posted its quarterly earnings data on Tuesday, August, 5th. The company reported $0.42 EPS for the quarter, hitting the consensus estimate of $0.42. The company's revenue for the quarter was up 11.5% compared to the same quarter last year.
Read the conference call transcript.

How do I buy shares of Baldwin Insurance Group?

Shares of BWIN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Baldwin Insurance Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Baldwin Insurance Group investors own include Meta Platforms (META), NVIDIA (NVDA), Tesla (TSLA), JPMorgan Chase & Co. (JPM), Home Depot (HD), Advanced Micro Devices (AMD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 8/05/2025
• Today: 10/03/2025
• Next Earnings (Estimated): 11/03/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - LIFE
• Sub-Industry: Insurance
• Current Symbol: NASDAQ:BWIN
• Previous Symbol: NASDAQ:BWIN
• CIK: 1781755
• Web: www.baldwin.com
• Phone: 866-279-0698
• Fax: N/A
• Employees: 4,116
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Baldwin Insurance Group: $43.67
• High Price Target: $50.00
• Low Price Target: $36.00
• Potential Upside/Downside: +56.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.29)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 27.58
• P/E Growth: 1.21
• Net Income: -$24.52 million
• Net Margins: -1.22%
• Pretax Margin: -2.00%
• Return on Equity: 13.24%
• Return on Assets: 3.82%

Debt

• Debt-to-Equity Ratio: 1.53
• Current Ratio: 1.23
• Quick Ratio: 1.23

Sales & Book Value

• Annual Sales: $1.44 billion
• Price / Sales: 2.29
• Cash Flow: $2.03 per share
• Price / Cash Flow: 13.70
• Book Value: $8.58 per share
• Price / Book: 3.25

Miscellaneous

• Outstanding Shares: 118,674,000
• Free Float: 96,707,000
• Market Cap: $3.31 billion
• Optionable: Optionable
• Beta: 1.39