BWIN
The Baldwin Group·NASDAQ
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BWIN fundamentals
The Baldwin Group (BWIN) released its earnings on Feb 26, 2026: revenue was 347.28M (YoY +5.27%), missed estimates; EPS was 0.31 (YoY +14.81%), beat estimates.
Revenue / YoY
347.28M
+5.27%
EPS / YoY
0.31
+14.81%
Report date
Feb 26, 2026
BWIN Earnings Call Summary for Q4,2025
- AI-Driven Platform Growth: Baldwin's embedded channels (homebuilders, mortgages, renters) generate 80% of Personal Lines revenue, with AI enhancing productivity (e.g., 80%+ retention in small commercial via digital platforms). UCTS segment grew 16% Q4, targeting $3-5M in AI savings.
- 2026 Outlook: Mid-single-digit organic growth (normalizing headwinds), accelerating to double digits by Q4. CAC merger adds $400M revenue and $110M EBITDA post-synergies, with $32M new business closed in January.
- Financial Performance: Q4 2025 adjusted EBITDA $69.6M (+10%), full year $341.5M (+9%). 2026 guidance: EBITDA $460-480M, EPS $2-2.10. $250M share buyback authorized at 8x EBITDA.
- Risk Management: 94% Vanguard producer retention despite stock underperformance, driven by platform strength and cross-sell opportunities (e.g., CAC-Baldwin $11M pipeline).
Earnings
EPS
Revenue
Revenue & Expenses
BWIN has released its 2025 Q4 earnings report, with revenue of 347.28M, reflecting a YoY change of 5.27%, and net profit of -43.67M, showing a YoY change of -25.36%. The Sankey diagram below clearly presents BWIN's revenue sources and cost distribution.
Key Indicators
The Baldwin Group (BWIN) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
The Baldwin Group (BWIN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Balance Sheet
The Baldwin Group (BWIN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Breakdown
Cash Flow
The Baldwin Group (BWIN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Breakdown
Revenue Breakdown
Where does The Baldwin Group (BWIN) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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By Region
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Dividend
Track The Baldwin Group (BWIN) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What factors drove the changes in The Baldwin Group's revenue and profit?What guidance did The Baldwin Group's management provide for the next earnings period?What were the key takeaways from The Baldwin Group's earnings call?What is The Baldwin Group's latest dividend and current dividend yield?What were the key takeaways from The Baldwin Group’s earnings call?Did The Baldwin Group beat or miss consensus estimates last quarter?What is the market's earnings forecast for The Baldwin Group next quarter?What does The Baldwin Group do and what are its main business segments?
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