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* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where The Baldwin Insurance Group's FCF Margin % 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 FCF Margin % of 6.22% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Baldwin Insurance Group and its competitors. This is near median its historical median of 6.22. According to the industry distribution chart, The Baldwin Insurance Group ranks #360 out of 504 companies in the Insurance industry, placing it in the top 71.4%.
Is The Baldwin Insurance Group's FCF Margin % too high?
The Baldwin Insurance Group's current FCF Margin % of 6.22% is near median its 10-year median of 6.22. The Insurance industry median FCF Margin % is 9.22. The Baldwin Insurance Group's value of 6.22% is 32.5% below this industry median. Based on the distribution chart, The Baldwin Insurance Group ranks #360 out of 504 companies in the Insurance industry, which is below the industry midpoint. Overall, The Baldwin Insurance Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's FCF Margin % compare to CRVL and ARX?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #360 out of 504 companies for FCF Margin %. This places The Baldwin Insurance Group in the lower half of its industry. The industry median FCF Margin % is 9.22. The Baldwin Insurance Group's value of 6.22% is 32.5% below this benchmark. While the company's 10-year median is 6.22 vs. the industry median of 9.22, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.22, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Baldwin Insurance Group's current FCF Margin % of 6.22% is 32.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Baldwin Insurance Group and its competitors. For the Insurance industry, the median FCF Margin % 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 FCF Margin % is 6.22%, which is near median its own 10-year median of 6.22. 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 $29.41, compared to a current price of $29.54 — trading 0.4% above its estimated fair value. The current FCF Margin % is 6.22%, which is near median its 10-year median of 6.22 and 32.5% below the Insurance industry median of 9.22. The Baldwin Insurance Group's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current FCF Margin % is 6.22% 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 $29.54 is trading 0.4% above its estimated GF Value™ of $29.41.
GuruFocus considers The Baldwin Insurance Group to be Fairly Valued.
Key valuation signals for BWIN:
FCF Margin %: 6.22% (near median its 10-year median of 6.22)
GF Value™: $29.41 vs. price of $29.54 (0.4% above fair value)
Industry Position: 32.5% below the Insurance median (#360 of 504)
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.
78GF Score
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