The Baldwin Insurance Group, Inc. cash flow to debt ratio of -1.66% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

The Baldwin Insurance Group, Inc.'s free cash flow has decreased 212.84% from $61.10M last year to $-68.94M, signaling decreasing performance

The Baldwin Insurance Group, Inc.'s debt to equity ratio is 3.04, which means that the company's assets are unhealthy financed, signaling financial risk.

The Baldwin Insurance Group, Inc.'s debt has increased relative to shareholder equity from 2.81 last year to 3.04 today, signaling weakened financials

The Baldwin Insurance Group, Inc. has a net debt to EBITDA ratio of 8.37x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

The Baldwin Insurance Group, Inc.'s interest coverage ratio is -0.64, which means that the company struggles to meet interest obligations, signaling financial risk.

The Baldwin Insurance Group, Inc.'s profit margin has decreased (162.41%) in the last year from -1.78% to -4.67%, signaling decreasing performance

The Baldwin Insurance Group, Inc.'s short-term assets of $1.20B exceed its short-term liabilities of $1.03B

The Baldwin Insurance Group, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

The Baldwin Insurance Group, Inc.'s return on equity of -10.59%, is lower than 15.00%, indicating bad performance

The Baldwin Insurance Group, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

The Baldwin Insurance Group, Inc. had positive net income in only 0 out of 5 years, indicating unstable earnings

The Baldwin Insurance Group, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

The Baldwin Insurance Group, Inc. has negative free cash flow, indicating cash burn

The Baldwin Insurance Group, Inc.'s yearly earnings has decreased 37.91% since last year from $-24.52M to $-33.81M, signaling decreasing performance

The Baldwin Insurance Group, Inc.'s yearly revenue has increased 9.35% since last year from $1.38B to $1.50B, signaling increasing performance

ROIC -0.96% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

The Baldwin Insurance Group, Inc.'s 3-year revenue CAGR of 15.79% is positive, indicating growing revenue over the past 3 years

The Baldwin Insurance Group, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

The Baldwin Insurance Group, Inc. had positive ROE in only 0 out of 5 years, indicating inconsistent returns on equity

The Baldwin Insurance Group, Inc. has insufficient data to evaluate this check.

The Baldwin Insurance Group, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

The Baldwin Insurance Group, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

The Baldwin Insurance Group, Inc. has an EV/EBITDA ratio of 20.25x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

The Baldwin Insurance Group, Inc. is overvalued relative to its fair value price of -13.75 based on Earnings Fair Value model

The Baldwin Insurance Group, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

The Baldwin Insurance Group, Inc. has a price-to-book ratio of 1.40x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

The Baldwin Insurance Group, Inc. has a price-to-sales ratio of 1.15x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue