COMP <GO>
BWIN vs LIFE // PIOTROSKI F-SCORE QUALITY
The Baldwin Insurance Group Inc. (NASDAQ) VS. Ethos Technologies Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: BWIN 2
— LIFE 8
▲ PIOTROSKI F-SCORE QUALITY LEADER: LIFE
LAST: $31.83 (-0.38%) • MKT CAP: $4.44B
piotroski-score
4/9
LAST: $43.62 (+1.85%) • MKT CAP: $2.83B
piotroski-score
6/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BWIN VS. LIFE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BWIN | LIFE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.60% | 40.60% | -37.00 | LIFE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 41.8x | 37.0x | +4.80 | LIFE | /valuation <GO> |
| Free Cash Flow Yield | -2.18% | 1.23% | -3.41 | LIFE | /fcf-yield <GO> |
| Operating Margin | 4.90% | 18.80% | -13.90 | LIFE | /operating-margins <GO> |
| Net Profit Margin | -3.60% | 18.40% | -22.00 | LIFE | /net-margins <GO> |
| Revenue Growth (YoY) | 8.50% | 52.00% | -43.50 | LIFE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 4/9 | 6/9 | -2.00 | LIFE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.9 | 65.8 | -12.90 | LIFE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 29.0x | 33.4x | -4.40 | BWIN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.44B | $2.83B | $1.61B | BWIN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BWIN REV | LIFE REV | BWIN GROSS % | LIFE GROSS % | BWIN FCF | LIFE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.49B | $387.6M | — | — | -$96.6M | $34.7M |
| FY 2024 | $1.38B | $254.9M | — | — | -$10.5M | -$11.7M |
| FY 2023 | $1.21B | — | — | — | -$54.5M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BWIN // BETA 1.12
LIFE // BETA —