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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for The Baldwin Insurance Group's Debt-to-EBITDA or its related term are showing as below:
BWIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.63 Med: 9.97 Max: 34.96
Current: 34.96
During the past 9 years, the highest Debt-to-EBITDA Ratio of The Baldwin Insurance Group was 34.96. The lowest was 2.63. And the median was 9.97.
BWIN's Debt-to-EBITDA is ranked worse than 99.38% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs BWIN: 34.96
The Baldwin Insurance Group (NAS:BWIN) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The Baldwin Insurance Group Debt-to-EBITDA Related Terms
The Baldwin Insurance Group Debt-to-EBITDA 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 CRVL, ARX, GSHD: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, The Baldwin Insurance Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where The Baldwin Insurance Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
The Baldwin Insurance Group (BWIN) has a Debt-to-EBITDA of -15.24 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The Baldwin Insurance Group. Over the past decade, The Baldwin Insurance Group's Debt-to-EBITDA has ranged from 2.63 to 34.96. According to the industry distribution chart, The Baldwin Insurance Group ranks #320 out of 322 companies in the Insurance industry, placing it in the top 99.4%.
Is The Baldwin Insurance Group's Debt-to-EBITDA too high?
The Baldwin Insurance Group's current Debt-to-EBITDA is -15.24. Over the past 10 years, this metric has ranged from a low of 2.63 to a high of 34.96. Based on the distribution chart, The Baldwin Insurance Group ranks #320 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, The Baldwin Insurance Group has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's Debt-to-EBITDA compare to CRVL and ARX?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #320 out of 322 companies for Debt-to-EBITDA. This places The Baldwin Insurance Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Historically, The Baldwin Insurance Group's own Debt-to-EBITDA has ranged from 2.63 to 34.96 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The Baldwin Insurance Group. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Baldwin Insurance Group's current Debt-to-EBITDA is -15.24. 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 Fairly Valued. The stock's GF Value™ is $29.24, compared to a current price of $27.41 — trading 6.3% below its estimated fair value. The current Debt-to-EBITDA is -15.24. The Baldwin Insurance Group's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current Debt-to-EBITDA is -15.24 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 $27.41 is trading 6.3% below its estimated GF Value™ of $29.24.
GuruFocus considers The Baldwin Insurance Group to be Fairly Valued.
Key valuation signals for BWIN:
Debt-to-EBITDA: -15.24
GF Value™: $29.24 vs. price of $27.41 (6.3% below fair value)
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.
73GF Score
Get the complete analysis for BWIN
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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