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BWIN

The Baldwin Insurance Group, Inc.

The Baldwin Insurance Group, Inc. is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in Tampa, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.5 billion and a loss of $54 million (its filed statements).

Brokerage business Insurance Agents, Brokers & Service Tampa, FL filings since 2019 9 of 9 filed
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Sector peers: ERIEACTHGTYARX

4.8/10headline grade
vs its business-model standard
5.8/10past 4.6/10present 4.2/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 4.8 out of ten, 9 of 9 metrics filed: past 5.8 out of ten, present 4.6 out of ten, future 4.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2019. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 5.8 out of ten. +27.6% a year over 5 filed years; profitable in 0 of 5. 58th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 3.2 out of ten. Share count grew 6.1% a year. 0% of cash flow returned. Insiders: 6 sales, 2 purchases. 32nd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 3.8 out of ten. ROE -3%: lost 3¢ per shareholder dollar. Leverage 72%: owes 72¢ per asset dollar. 38th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 4.6 out of ten. bottom 46% of 30 in its family; net margin -2.2%. 46th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 5.9 out of ten. top 41% of 21 in its family for leadership; chief executive since 2019. 59th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 3.6 out of ten. bottom 36% of 29 in its family for room to expand. 36th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 4.5 out of ten. bottom 45% of 29 in its family for growth drivers. 45th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 4.6 out of ten. bottom 46% of 25 in its family for expectations against reality. 46th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 8-K, 2026-10-09. Filings on record since 2019. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2025: Commission Revenue 79%, Consulting and Service Fee Revenue 6%, Profit Sharing Revenue 6%, Policy Feeand Installment Fee Revenue 5%, Earned Premium 2%, Other Insurance Product Line 1%. As tagged in its annual report (Form 10-K, filed 2026-02-26).

Who runs it

Baldwin, Trevor (Chief Executive Officer); Galbraith, Daniel (President, The Baldwin Group and CEO, Retail Brokerage Operations; Member of 10% owner group); Roche, James Morgan (President, The Baldwin Group and CEO, Underwriting, Capacity and Technology Operations); Baldwin, Lowry (Chairman); Hale, Bradford (Chief Financial Officer); Galloway, Corbyn N. (Chief Accounting Officer); Daniel, Willis Johnathan (Interim CAO); Cohen, Seth Bala (General Counsel); Cohen, Jay A (director); Kadow, Joseph John (director); and 7 more. 17 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.

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