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BWIN vs PAX

BWIN
The Baldwin Insurance Group, Inc.
BEARISH
Price
$21.51
Market Cap
$2.08B
Sector
Financial Services
AI Confidence
60%
PAX
Patria Investments Limited
NEUTRAL
Price
$13.10
Market Cap
$2.09B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BWIN
--
PAX
19.26
Forward P/E
BWIN
8.46
PAX
7.64
P/B Ratio
BWIN
2.57
PAX
3.35
P/S Ratio
BWIN
1.38
PAX
5.47
EV/EBITDA
BWIN
19.9
PAX
12.87

Profitability

Gross Margin
BWIN
30.2%
PAX
55.72%
Operating Margin
BWIN
-2.57%
PAX
36.06%
Profit Margin
BWIN
-2.25%
PAX
22.43%
ROE
BWIN
-5.17%
PAX
16.02%
ROA
BWIN
1.46%
PAX
5.99%

Growth

Revenue Growth
BWIN
5.3%
PAX
-15.4%
Earnings Growth
BWIN
--
PAX
-37.6%

Financial Health

Debt/Equity
BWIN
1.62
PAX
0.27
Current Ratio
BWIN
1.16
PAX
1.03
Quick Ratio
BWIN
0.93
PAX
0.54

Dividends

Dividend Yield
BWIN
--
PAX
4.58%
Payout Ratio
BWIN
0.0%
PAX
88.8%

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%
PAX NEUTRAL

PAX presents a dichotomy between poor deterministic value metrics and strong forward-looking analyst sentiment. With a Piotroski F-Score of 5/9, the company's financial health is stable, but it trades at a significant premium to its Graham Number ($7.74) and Intrinsic Value ($4.76). While YoY revenue and earnings growth are sharply negative, the attractive forward P/E of 7.64 and positive Q/Q revenue growth suggest a potential turnaround. The high dividend payout ratio remains a primary concern for long-term sustainability.

Strengths
Strong operating margins (36.06%) and gross margins (55.72%)
Low leverage with a Debt/Equity ratio of 0.27
Attractive Forward P/E (7.64) suggesting expected earnings recovery
Risks
Significant negative YoY earnings growth (-37.60%)
Unsustainable dividend payout ratio (88.80%)
Trading at a steep premium to both Graham and Intrinsic value estimates

Compare Another Pair

BWIN vs PAX: Head-to-Head Comparison

This page compares The Baldwin Insurance Group, Inc. (BWIN) and Patria Investments Limited (PAX) 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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