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The Baldwin Insurance GroupBWIN +1.79%81 Equity-to-Asset is 0.14 as of Jun. 2026, which is 18% below its 10-year median of 0.17. GuruFocus rates BWIN with a GF Score™ of 81/100 and a GF Value™ of $29.53 (Fairly Valued). The stock has 8 warning signs investors should review. Among 502 Insurance companies, The Baldwin Insurance Group ranks worse than 73.31% on this metric.
The Baldwin Insurance Group (NAS:BWIN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
The Baldwin Insurance Group Equity-to-Asset Related Terms
The Baldwin Insurance Group Equity-to-Asset 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.
For the Insurance Brokers subindustry, The Baldwin Insurance Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where The Baldwin Insurance Group's Equity-to-Asset falls into.
The Baldwin Insurance Group Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
The Baldwin Insurance Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on The Baldwin Insurance Group and its competitors. This is 18% below median its historical median of 0.17. According to the industry distribution chart, The Baldwin Insurance Group ranks #368 out of 502 companies in the Insurance industry, placing it in the top 73.3%.
Is The Baldwin Insurance Group's Equity-to-Asset too high?
The Baldwin Insurance Group's current Equity-to-Asset of 0.14 is 18% below median its 10-year median of 0.17. The Insurance industry median Equity-to-Asset is 0.26. The Baldwin Insurance Group's value of 0.14 is 46.2% below this industry median. Based on the distribution chart, The Baldwin Insurance Group ranks #368 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, The Baldwin Insurance Group has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's Equity-to-Asset compare to ARX and NP?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #368 out of 502 companies for Equity-to-Asset. This places The Baldwin Insurance Group in the lower half of its industry. The industry median Equity-to-Asset is 0.26. The Baldwin Insurance Group's value of 0.14 is 46.2% below this benchmark. While the company's 10-year median is 0.17 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Baldwin Insurance Group's current Equity-to-Asset of 0.14 is 46.2% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on The Baldwin Insurance Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Baldwin Insurance Group's current Equity-to-Asset is 0.14, which is 18% below median its own 10-year median of 0.17. 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 $29.53, compared to a current price of $30.68 — trading 3.9% above its estimated fair value. The current Equity-to-Asset is 0.14, which is 18% below median its 10-year median of 0.17 and 46.2% below the Insurance industry median of 0.26. The Baldwin Insurance Group's overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current Equity-to-Asset is 0.14 as of Jun. 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 overvalued.
The current stock price of $30.68 is trading 3.9% above its estimated GF Value™ of $29.53.
GuruFocus considers The Baldwin Insurance Group to be Fairly Valued.
Key valuation signals for BWIN:
Equity-to-Asset: 0.14 (18% below median its 10-year median of 0.17)
GF Value™: $29.53 vs. price of $30.68 (3.9% above fair value)
Industry Position: 46.2% below the Insurance median (#368 of 502)
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.
81GF Score
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