Core Insights - The Baldwin Insurance Group reported revenue of $347.28 million for Q4 2025, a 5.3% year-over-year increase, with an EPS of $0.31 compared to $0.27 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $354.34 million, resulting in a surprise of -1.99%, while the EPS exceeded expectations by 7.83% [1] Financial Performance Metrics - Organic revenue growth was 3%, below the two-analyst average estimate of 4.2% [4] - Commissions and fees revenue was $344.58 million, compared to the average estimate of $351.21 million, reflecting a year-over-year increase of 5.5% [4] - Investment income was reported at $2.7 million, slightly below the estimated $2.71 million, marking a 15.4% decrease year-over-year [4] - Corporate and Other revenues were -$16.93 million, better than the estimated -$17.65 million, but showed an 18.9% decline from the previous year [4] - Underwriting, Capacity & Technology Solutions revenue was $129.5 million, compared to the estimate of $132.18 million, with a year-over-year increase of 10.9% [4] - Mainstreet Insurance Solutions revenue was $76.84 million, in line with the estimate of $76.83 million, reflecting a 6.9% year-over-year increase [4] - Insurance Advisory Solutions revenue was $157.87 million, below the average estimate of $164.49 million, showing a significant year-over-year decline of 68.6% [4] Stock Performance - Shares of The Baldwin Insurance Group have decreased by 25.8% over the past month, contrasting with a 0.6% increase in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Insights - The Baldwin Insurance Group reported a revenue of $365.39 million for the quarter ended September 2025, reflecting a year-over-year increase of 7.8% and a slight revenue surprise of +0.3% over the Zacks Consensus Estimate of $364.32 million [1] - The company's EPS for the quarter was $0.31, down from $0.33 in the same quarter last year, with an EPS surprise of +3.33% compared to the consensus estimate of $0.30 [1] Revenue Breakdown - Organic revenue growth was reported at 5%, slightly below the three-analyst average estimate of 5.5% [4] - Revenue from Insurance Advisory Solutions was $158.52 million, which is lower than the average estimate of $166.66 million, representing a year-over-year decline of -0.5% [4] - Underwriting, Capacity & Technology Solutions generated $147.27 million, exceeding the average estimate of $144.27 million, with a year-over-year increase of +13.5% [4] - Investment income was reported at $3.07 million, surpassing the estimated $2.52 million, but showing a significant year-over-year decline of -17.6% [4] - Corporate and Other revenue was reported at -$16.87 million, better than the estimated -$19.01 million, with a year-over-year change of -19.1% [4] - Commissions and fees revenue reached $362.32 million, slightly above the average estimate of $360.98 million, reflecting a year-over-year increase of +8.1% [4] - Mainstreet Insurance Solutions generated $76.48 million, exceeding the average estimate of $74.53 million, with a year-over-year growth of +8.2% [4] Stock Performance - The Baldwin Insurance Group's shares have returned -18.9% over the past month, contrasting with the Zacks S&P 500 composite's +2.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - The Baldwin Insurance Group (BWIN) reported quarterly earnings of $0.31 per share, exceeding the Zacks Consensus Estimate of $0.30 per share, but down from $0.33 per share a year ago, resulting in an earnings surprise of +3.33% [1] - The company achieved revenues of $365.39 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.30% and showing an increase from $338.94 million year-over-year [2] - The stock has underperformed significantly, losing about 42.2% since the beginning of the year compared to the S&P 500's gain of 16.5% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.30 on revenues of $356.42 million, and for the current fiscal year, it is $1.66 on revenues of $1.51 billion [7] - The estimate revisions trend for The Baldwin Insurance Group was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Insurance - Life Insurance industry is currently ranked in the top 20% of over 250 Zacks industries, suggesting a favorable outlook as the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]

分组1 - The Baldwin Insurance Group reported quarterly earnings of $0.42 per share, exceeding the Zacks Consensus Estimate of $0.41 per share, and up from $0.34 per share a year ago, representing an earnings surprise of +2.44% [1] - The company posted revenues of $378.81 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 1.23%, compared to year-ago revenues of $339.84 million [2] - The stock has underperformed the market, losing about 7.1% since the beginning of the year, while the S&P 500 gained 7.6% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $0.39 on revenues of $382.18 million, and for the current fiscal year, it is $1.79 on revenues of $1.55 billion [7] - The Zacks Industry Rank for Insurance - Life Insurance is currently in the top 15% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - The Baldwin Insurance Group has a Zacks Rank 2 (Buy), suggesting that the shares are expected to outperform the market in the near future [6]

Core Viewpoint - Lincoln National (LNC) reported quarterly earnings of $2.36 per share, exceeding the Zacks Consensus Estimate of $1.91 per share, and showing an increase from $1.84 per share a year ago, resulting in an earnings surprise of +23.56% [1][2] Financial Performance - The company achieved revenues of $4.73 billion for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 1.23%, compared to $4.53 billion in the same quarter last year [2] - Over the last four quarters, Lincoln National has exceeded consensus EPS estimates four times, but has only topped consensus revenue estimates once [2] Stock Performance - Since the beginning of the year, Lincoln National shares have increased by approximately 7.9%, while the S&P 500 has gained 8.2% [3] - The current Zacks Rank for Lincoln National is 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The consensus EPS estimate for the upcoming quarter is $1.75 on revenues of $4.73 billion, and for the current fiscal year, it is $7.02 on revenues of $18.83 billion [7] - The trend of estimate revisions for Lincoln National was mixed prior to the earnings release, which may change following the recent results [6] Industry Context - The Insurance - Life Insurance industry, to which Lincoln National belongs, is currently ranked in the top 10% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

分组1 - The Baldwin Insurance Group reported quarterly earnings of $0.65 per share, matching the Zacks Consensus Estimate, and showing an increase from $0.56 per share a year ago [1] - The company posted revenues of $413.41 million for the quarter, which was 1.03% below the Zacks Consensus Estimate, but an increase from $380.37 million year-over-year [2] - The stock has gained approximately 5% since the beginning of the year, contrasting with a -3.9% decline in the S&P 500 [3] 分组2 - The earnings outlook for The Baldwin Insurance Group is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters [4] - The estimate revisions trend for the company is currently favorable, resulting in a Zacks Rank 2 (Buy), indicating expected outperformance in the near future [6] - The current consensus EPS estimate for the next quarter is $0.42 on revenues of $381.64 million, and for the current fiscal year, it is $1.82 on revenues of $1.54 billion [7] 分组3 - The Insurance - Life Insurance industry, to which The Baldwin Insurance Group belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, which may impact stock performance [8]

Core Viewpoint - Investors in the Life Insurance sector should consider NN Group NV Unsponsored ADR (NNGRY) and The Baldwin Insurance Group (BWIN) for potential value opportunities [1] Valuation Metrics - NNGRY has a forward P/E ratio of 7.19, while BWIN has a forward P/E of 22.21 [5] - NNGRY's PEG ratio is 0.72, indicating a more favorable valuation compared to BWIN's PEG ratio of 1.04 [5] - NNGRY's P/B ratio is 0.66, significantly lower than BWIN's P/B of 4.73, suggesting NNGRY is undervalued relative to its book value [6] Analyst Outlook - NNGRY has a Zacks Rank of 1 (Strong Buy), indicating a positive earnings estimate revision trend, while BWIN has a Zacks Rank of 3 (Hold) [3] - The stronger estimate revision activity for NNGRY suggests a more favorable analyst outlook compared to BWIN [7] Value Grades - NNGRY has a Value grade of B, while BWIN has a Value grade of D, reflecting NNGRY's more attractive valuation metrics [6]