BWIN (The Baldwin Insurance Group) Moat Score: 2/10 (As of Jun. 30, 2026)


BWIN The Baldwin Insurance Group Inc BWIN
74 GF Score
Price $26.57
GF Value $29.32
Valuation Fairly Valued
! 6 Warning Signs
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What is The Baldwin Insurance Group Moat Score?

The Baldwin Insurance Group BWIN +1.37% 74 Moat Score is 2 as of Jun. 30, 2026. GuruFocus rates BWIN with a GF Score™ of 74/100 and a GF Value™ of $29.32 (Fairly Valued). The stock has 6 warning signs investors should review. Among 601 Insurance companies, The Baldwin Insurance Group ranks better than 69.88% on this metric.

The Baldwin Insurance Group has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

The Baldwin Insurance Group has No Moat: Baldwin Insurance Group operates in a competitive insurance market with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory barriers to establish a moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes The Baldwin Insurance Group might have No Moat - Very weak/transient advantages.

The Baldwin Insurance Group  (NAS:BWIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

The Baldwin Insurance Group Moat Score Related Terms

BWIN vs ARX, CRVL, LIFE: Moat Score Comparison

For the Insurance Brokers subindustry, The Baldwin Insurance Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, The Baldwin Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where The Baldwin Insurance Group's Moat Score falls into.


BWIN
74GF Score
The Baldwin Insurance Group Inc BWIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
The Baldwin Insurance Group (BWIN) has a Moat Score of 2 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, The Baldwin Insurance Group ranks #181 out of 601 companies in the Insurance industry, placing it in the top 30.1%.
Is The Baldwin Insurance Group's Moat Score too high?
The Baldwin Insurance Group's current Moat Score is 2. Based on the distribution chart, The Baldwin Insurance Group ranks #181 out of 601 companies in the Insurance industry, which is above the industry midpoint. Overall, The Baldwin Insurance Group has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Baldwin Insurance Group's Moat Score compare to ARX and CRVL?
According to the Insurance industry distribution chart, The Baldwin Insurance Group ranks #181 out of 601 companies for Moat Score. This puts The Baldwin Insurance Group in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. The Baldwin Insurance Group's current Moat Score is 2. 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 $29.32, compared to a current price of $26.57 — trading 9.4% below its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For The Baldwin Insurance Group (BWIN), the current Moat Score is 2 as of Jun. 30, 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 $26.57 is trading 9.4% below its estimated GF Value™ of $29.32. GuruFocus considers The Baldwin Insurance Group to be Fairly Valued.

Key valuation signals for BWIN:

  • Moat Score: 2
  • GF Value™: $29.32 vs. price of $26.57 (9.4% below fair value)
  • GF Score™: 74/100 with 6 warning signs

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 Business Description

Address 4211 West Boy Scout Boulevard, Suite 800, Tampa, FL, USA, 33607
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

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$26.57
Price
$29.32
GF Value