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BWIN vs HCI

BWIN
The Baldwin Insurance Group, Inc.
BEARISH
Price
$21.51
Market Cap
$2.08B
Sector
Financial Services
AI Confidence
60%
HCI
HCI Group, Inc.
BULLISH
Price
$155.31
Market Cap
$2.02B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BWIN
--
HCI
6.84
Forward P/E
BWIN
8.46
HCI
8.74
P/B Ratio
BWIN
2.57
HCI
1.94
P/S Ratio
BWIN
1.38
HCI
2.24
EV/EBITDA
BWIN
19.9
HCI
2.12

Profitability

Gross Margin
BWIN
30.2%
HCI
59.57%
Operating Margin
BWIN
-2.57%
HCI
-397.98%
Profit Margin
BWIN
-2.25%
HCI
33.19%
ROE
BWIN
-5.17%
HCI
40.46%
ROA
BWIN
1.46%
HCI
11.52%

Growth

Revenue Growth
BWIN
5.3%
HCI
52.1%
Earnings Growth
BWIN
--
HCI
--

Financial Health

Debt/Equity
BWIN
1.62
HCI
0.06
Current Ratio
BWIN
1.16
HCI
1.2
Quick Ratio
BWIN
0.93
HCI
0.94

Dividends

Dividend Yield
BWIN
--
HCI
1.03%
Payout Ratio
BWIN
0.0%
HCI
7.04%

AI Verdict

BWIN BEARISH

BWIN shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 1/9). Concerns include weak profitability or high valuation.

Strengths
Company has established market presence
Risks
Low profit margin of -2.2%
Weak financial trend (Piotroski F-Score: 1/9)
Weak ROE of -5.2%
HCI BULLISH

HCI presents a compelling value opportunity, trading below both its Intrinsic Value ($159.04) and Graham Number ($202.39). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, this is offset by an exceptional ROE of 40.46% and a very low Debt/Equity ratio of 0.06. The company is significantly undervalued relative to its sector, with a P/E of 6.84 compared to a sector average of 37.44. Despite a bearish technical trend, the combination of 52.1% revenue growth and consistent earnings beats suggests strong fundamental momentum.

Strengths
Deep value valuation with a P/E of 6.84 and PEG of 0.97
Exceptional capital efficiency with ROE at 40.46%
Strong top-line growth with 52.1% YoY revenue increase
Risks
Severe bearish technical trend (0/100 score)
Extreme discrepancy in operating margin (-397.98%) vs profit margin (33.19%)
Exposure to catastrophic insurance events and regulatory changes

Compare Another Pair

BWIN vs HCI: Head-to-Head Comparison

This page compares The Baldwin Insurance Group, Inc. (BWIN) and HCI Group, Inc. (HCI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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