The Baldwin Insurance GroupBWIN +9.43%74 Current Ratio is 1.08 as of Mar. 2026, which is 5% below its 10-year median of 1.14. GuruFocus rates BWIN with a GF Score™ of 74/100 and a GF Value™ of $29.32 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 65 Insurance companies, The Baldwin Insurance Group ranks worse than 78.46% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. The Baldwin Insurance Group's current ratio for the quarter that ended in Mar. 2026 was 1.08.
The Baldwin Insurance Group has a current ratio of 1.08. It generally indicates good short-term financial strength.
The historical rank and industry rank for The Baldwin Insurance Group's Current Ratio or its related term are showing as below:
BWIN'
s Current Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.14 Max: 2.15
Current: 1.08
During the past 9 years, The Baldwin Insurance Group's highest Current Ratio was 2.15. The lowest was 0.69. And the median was 1.14.
BWIN's Current Ratio is ranked worse than 78.46% of 65
companies
in the Insurance industry
Industry Median: 1.68
vs BWIN: 1.08
The Baldwin Insurance Group (NAS:BWIN) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
The Baldwin Insurance Group Current Ratio Related Terms
The Baldwin Insurance Group Current Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BWIN vs LIFE, GSHD, CRVL: Current Ratio Comparison
For the Insurance Brokers subindustry, The Baldwin Insurance Group's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Baldwin Insurance Group Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where The Baldwin Insurance Group's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Baldwin Insurance Group (BWIN) has a Current Ratio of 1.08 as of Mar. 2026. This is near median its historical median of 1.14. Over the past decade, The Baldwin Insurance Group's Current Ratio has ranged from 0.69 to 2.15. According to the industry distribution chart, The Baldwin Insurance Group ranks #51 out of 65 companies in the Insurance industry, placing it in the top 78.5%.
Is The Baldwin Insurance Group's Current Ratio too high?
The Baldwin Insurance Group's current Current Ratio of 1.08 is near median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.15. The Insurance industry median Current Ratio is 1.68. The Baldwin Insurance Group's value of 1.08 is 35.7% below this industry median. Based on the distribution chart, The Baldwin Insurance Group ranks #51 out of 65 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, The Baldwin Insurance Group has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's Current Ratio compare to LIFE and GSHD?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #51 out of 65 companies for Current Ratio. This places The Baldwin Insurance Group in the lower half of its industry. The industry median Current Ratio is 1.68. The Baldwin Insurance Group's value of 1.08 is 35.7% below this benchmark. Historically, The Baldwin Insurance Group's own Current Ratio has ranged from 0.69 to 2.15 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.68, The Baldwin Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for an Insurance company?
The median Current Ratio among Insurance companies is 1.68, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Baldwin Insurance Group's current Current Ratio of 1.08 is 35.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Current Ratio is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Baldwin Insurance Group's current Current Ratio is 1.08, which is near median its own 10-year median of 1.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Baldwin Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Baldwin Insurance Group (BWIN) is currently considered Modestly Undervalued. The stock's GF Value™ is $29.32, compared to a current price of $26.22 — trading 10.6% below its estimated fair value. The current Current Ratio is 1.08, which is near median its 10-year median of 1.14 and 35.7% below the Insurance industry median of 1.68. The Baldwin Insurance Group's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current Current Ratio is 1.08 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Baldwin Insurance Group (BWIN) Overvalued in 2026?
Based on GuruFocus' analysis, The Baldwin Insurance Group stock appears to be undervalued.
The current stock price of $26.22 is trading 10.6% below its estimated GF Value™ of $29.32.
GuruFocus considers The Baldwin Insurance Group to be Modestly Undervalued.
Key valuation signals for BWIN:
Current Ratio: 1.08 (near median its 10-year median of 1.14)
GF Value™: $29.32 vs. price of $26.22 (10.6% below fair value)
Industry Position: 35.7% below the Insurance median (#51 of 65)
No single metric tells the full story. See the BWIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Baldwin Insurance Group Inc is an insurance distribution company operating in the United States. The company provides commercial risk management, employee benefits, private risk management, and personal insurance solutions. It operates through three segments: Insurance Advisory Solutions, which focuses on commercial risk management and employee benefits; Underwriting, Capacity & Technology Solutions, which includes managing general agency operations, reinsurance brokerage, captive management, and technology-enabled insurance products; and Mainstreet Insurance Solutions, which offers personal, commercial, and life and health insurance products through community-based distribution channels.
74GF Score
Get the complete analysis for BWIN
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BWIN has been successfully added to your 
