COMP <GO>
BWIN vs ACT // ALTMAN Z-SCORE & DEBT/EQUITY
The Baldwin Insurance Group Inc. (NASDAQ) VS. Enact Holdings Inc. (NASDAQ) • 15-METRIC TALLY: BWIN 1
— ACT 7
■ METRIC PARITY
LAST: $31.93 (+0.31%) • MKT CAP: $4.44B
balance-sheet
—
LAST: $47.18 (-1.83%) • MKT CAP: $6.61B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BWIN VS. ACT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BWIN | ACT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.60% | 12.60% | -9.00 | ACT | /roic <GO> |
| EV/EBITDA & P/E Valuation | 41.8x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -2.18% | 10.97% | -13.15 | ACT | /fcf-yield <GO> |
| Operating Margin | 4.90% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | -3.60% | 54.60% | -58.20 | ACT | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 2.80% | +5.70 | BWIN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.83% | -1.83 | ACT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.9 | 56.3 | -3.40 | ACT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 29.0x | 9.1x | +19.90 | ACT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.44B | $6.61B | -$2.17B | ACT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BWIN REV | ACT REV | BWIN GROSS % | ACT GROSS % | BWIN FCF | ACT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.49B | $1.24B | — | — | -$96.6M | $724.5M |
| FY 2024 | $1.38B | $1.20B | — | — | -$10.5M | $686.3M |
| FY 2023 | $1.21B | $1.15B | — | — | -$54.5M | $632.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BWIN // BETA 1.12
ACT // BETA —