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The Baldwin Insurance GroupBWIN +1.17%79 EV-to-FCF is 170.36 as of Aug. 20, 2026, which is 890% above its 10-year median of 17.21. GuruFocus rates BWIN with a GF Score™ of 79/100 and a GF Value™ of $29.47 (Fairly Valued). The stock has 8 warning signs investors should review. Among 389 Insurance companies, The Baldwin Insurance Group ranks worse than 96.4% on this metric.
The historical rank and industry rank for The Baldwin Insurance Group's EV-to-FCF or its related term are showing as below:
BWIN'
s EV-to-FCF Range Over the Past 10 Years
Min: -1068.88 Med: 17.21 Max: 471
Current: 170.36
During the past 9 years, the highest EV-to-FCF of The Baldwin Insurance Group was 471.00. The lowest was -1068.88. And the median was 17.21.
BWIN's EV-to-FCF is ranked worse than 96.4% of 389
companies
in the Insurance industry
Industry Median: 9.22
vs BWIN: 170.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Baldwin Insurance Group (NAS:BWIN) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Baldwin Insurance Group's PE Ratio (TTM) for today is calculated as:
The Baldwin Insurance Group's share price for today is $31.495.
The Baldwin Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
The Baldwin Insurance Group EV-to-FCF Related Terms
The Baldwin Insurance Group EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where The Baldwin Insurance Group's EV-to-FCF falls into.
The Baldwin Insurance Group's current Enterprise Value is $7,446 Mil.
The Baldwin Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $44 Mil.
* 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 EV-to-FCF of 170.36 as of Aug. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Baldwin Insurance Group and its competitors. This is 890% above median its historical median of 17.21. According to the industry distribution chart, The Baldwin Insurance Group ranks #375 out of 389 companies in the Insurance industry, placing it in the top 96.4%.
Is The Baldwin Insurance Group's EV-to-FCF too high?
The Baldwin Insurance Group's current EV-to-FCF of 170.36 is 890% above median its 10-year median of 17.21. The Insurance industry median EV-to-FCF is 9.22. The Baldwin Insurance Group's value of 170.36 is 1747.7% above this industry median. Based on the distribution chart, The Baldwin Insurance Group ranks #375 out of 389 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, The Baldwin Insurance Group has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's EV-to-FCF compare to CRVL and ARX?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #375 out of 389 companies for EV-to-FCF. This places The Baldwin Insurance Group in the lower half of its industry. The industry median EV-to-FCF is 9.22. The Baldwin Insurance Group's value of 170.36 is 1747.7% above this benchmark. While the company's 10-year median is 17.21 vs. the industry median of 9.22, The Baldwin Insurance Group has consistently been above 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.22, based on 389 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Baldwin Insurance Group's current EV-to-FCF of 170.36 is 1747.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Baldwin Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Baldwin Insurance Group's current EV-to-FCF is 170.36, which is 890% above median its own 10-year median of 17.21. 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 $29.47, compared to a current price of $31.50 — trading 6.9% above its estimated fair value. The current EV-to-FCF is 170.36, which is 890% above median its 10-year median of 17.21 and 1747.7% above the Insurance industry median of 9.22. The Baldwin Insurance Group's overall GF Score™ is 79/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current EV-to-FCF is 170.36 as of Aug. 20, 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 $31.50 is trading 6.9% above its estimated GF Value™ of $29.47.
GuruFocus considers The Baldwin Insurance Group to be Fairly Valued.
Key valuation signals for BWIN:
EV-to-FCF: 170.36 (890% above median its 10-year median of 17.21)
GF Value™: $29.47 vs. price of $31.50 (6.9% above fair value)
Industry Position: 1747.7% above the Insurance median (#375 of 389)
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.
79GF Score
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