BWIN

Baldwin Insurance GroupB

Nasdaq / Insurance

At close

2026-07-21

Current thesis

The post-earnings bull case is that CAC integration is de-risking faster than expected, acquisition contributions are scaling, and management's comments on cross-sell and exit-rate organic growth imply 2026 earnings power can inflect higher than the market has credited.

Posture

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta -1.4.

What can break

Adjusted diluted EPS declined 3% year over year to $0.63 and adjusted free cash flow was slightly negative at $(0.2) million, so earnings quality and cash conversion remain watch items.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $25.50 · Bull $29.00 · Bear $19.50

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-04 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $31.00

Why

Momentum92 · Δ7d -1.4

Value39 · Δ7d 0.0

Sentiment51 · Δ7d -1.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-1.4

Δ21d

+21.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

0.0

Δ21d

+0.3

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-1.3

Δ21d

-6.1

Why this grade

Composite grade B. Momentum 92.3 / Value 38.9 / Sentiment 51.0

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$3.73B

Beta

1.33

Shares Out

97.49M

P/E (TTM) · Derived

-76.8

P/S (TTM)

2.40

P/FCF (TTM)

58.69

Rev YoY

+28.7%

EPS YoY

-88.0%

Gross Margin

+19.9%

Op Margin

+5.1%

Net Debt

$1.41B

Current Ratio

1.08

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology