Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
Below average. The Baldwin Insurance Group, Inc. scores higher than 34% of the 1,794 companies Ryufin scores.
Carried by return on new capital, held back by return on capital and valuation.
Financial Services median 58 · all companies 50
26% of the score, 30% here after data gaps
The Baldwin Insurance Group, Inc. is valued at 19.1x its operating profit before acquisition amortisation (EBITA), including debt: a rich multiple.
18% of the score, 20% here after data gaps
Over 7 years the business earned -0.2% a year after tax on the capital it uses.
16% of the score, 18% here after data gaps
For every dollar of operating profit earned over 6 years, yearly profit grew by 7640 cents. New capital earned 9.4%, and 81367% of profit went back into the business.
14% of the score, 16% here after data gaps
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Taken out: its 12% is shared by the others
Margins have been too thin to measure a cycle against.
8% of the score, 9% here after data gaps
What the debt weighs against the profit that has to carry it.
6% of the score, 7% here after data gaps
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For BWIN, cycle position could not be measured from the filings, so it is taken out and the remaining weights scale up.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there.