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Baldwin Insurance Group (BWIN) investor relations material
Baldwin Insurance Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Q2 2025 revenue increased 11% year-over-year to $378.8M, with organic revenue growth also at 11% and adjusted EBITDA up 14% to $85.5M; margin expanded to 22.6%–23% and adjusted diluted EPS rose 24% to $0.42.
Net loss narrowed to $5.1M from $30.9M in Q2 2024; YTD net income was $19.8M, up 140% year-over-year.
Growth was driven by organic expansion, strong new business in IAS and UCTS, and contributions from MGA and Captive insurance operations.
Completed acquisition of Hippo's homebuilder distribution network in July 2025, expanding builder partnerships and proprietary insurance capacity.
Settled $57M in earn outs, extinguishing all partnership-related liabilities from the first five years as a public company.
Financial highlights
Q2 2025 total revenue was $378.8M; organic revenue growth was 10%–11% at IAS, 20%–21% at UCTS, and flat to 5% at MIS.
Adjusted EBITDA margin for Q2 2025 was 22.6%–23%, up from 22% in Q2 2024.
Adjusted net income for Q2 2025 was $49.5M, with adjusted diluted EPS of $0.42.
Adjusted free cash flow for Q2 was $9M, and for the first six months was $34.4M, down 35% year-over-year.
Net cash used in operating activities for the six months was $80.7M; cash and cash equivalents as of June 30, 2025, were $105.7M, with $474M in borrowing capacity.
Outlook and guidance
Updated 2025 full-year revenue guidance to $1.5B–$1.52B, with high single-digit organic growth and adjusted diluted EPS between $1.62 and $1.67.
Q3 2025 revenue expected at $355M–$365M, organic growth in mid-single digits, adjusted EBITDA $70M–$75M, and adjusted EPS $0.28–$0.31.
Hippo acquisition expected to be accretive to 2026 pro forma adjusted diluted EPS.
Long-term goal: $3B revenue and 30% adjusted EBITDA margin by 2029 (3B30 plan).
Management expects continued revenue growth from organic expansion, new product launches, and integration of recent acquisitions.
What caused the updated full-year guidance?
Detail earnout liabilities extinguishment impact
Explain E&S homeowners book pressure
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Next Baldwin Insurance Group earnings date
Q3 20254 Nov, 2025
Next Baldwin Insurance Group earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
The Baldwin Insurance Group Inc (formerly BRP Group Inc.)provides insurance distribution and advisory services, including property and casualty, employee benefits, personal insurance, and risk management solutions. The company serves businesses and individuals through a network of operating partners and client service teams. Its platform supports organic and acquisition-driven growth strategies. The company is headquartered in Tampa, Florida, and its shares are listed on the NASDAQ.
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