Baldwin & Lyons Inc. Stock Upgraded (BWINB)
- BWINB's revenue growth has slightly outpaced the industry average of 5.0%. Since the same quarter one year prior, revenues rose by 12.6%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
- BWINB's debt-to-equity ratio is very low at 0.03 and is currently below that of the industry average, implying that there has been very successful management of debt levels.
- BALDWIN & LYONS's earnings per share declined by 46.4% in the most recent quarter compared to the same quarter a year ago. The company has suffered a declining pattern of earnings per share over the past two years. However, we anticipate this trend to reverse over the coming year. During the past fiscal year, BALDWIN & LYONS swung to a loss, reporting -$1.90 versus $1.68 in the prior year. This year, the market expects an improvement in earnings ($1.50 versus -$1.90).
- The share price of BALDWIN & LYONS has not done very well: it is down 12.26% and has underperformed the S&P 500, in part reflecting the company's sharply declining earnings per share when compared to the year-earlier quarter. Looking ahead, although the push and pull of the overall market trend could certainly make a critical difference, we do not see any strong reason stemming from the company's fundamentals that would cause a continuation of last year's decline. In fact, the stock is now selling for less than others in its industry in relation to its current earnings.
- The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed against the S&P 500 and did not exceed that of the Insurance industry. The net income has significantly decreased by 46.4% when compared to the same quarter one year ago, falling from $10.25 million to $5.50 million.
-- Written by a member of TheStreet RatingsStaff
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