---
schema_version: "secwatch.filing_event.v1"
accession: "0001781755-25-000107"
form_type: "8-K"
ticker: "BWIN"
cik: "0001781755"
company_name: "Baldwin Insurance Group, Inc."
filed_at: "2025-11-04T23:59:59+00:00"
generated_at: "2026-05-17T00:40:37.766595+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Baldwin Insurance Q3 revenue up 8% to $365.4M but net loss of $30.2M; adj. EPS $0.31

## Summary
- GAAP net loss of $30.2M, diluted loss per share $0.27; adjusted diluted EPS $0.31 (-6% YoY).
- Total revenue $365.4M (+8% YoY); organic revenue growth 5%.
- Adjusted EBITDA $72.5M (flat YoY); margin 19.8% vs 21.5% a year ago.
- Year-to-date organic revenue growth 9%; adjusted diluted EPS $1.37 (+11% YoY).
- Adjusted free cash flow Q3 $41.8M (+26% YoY); cash and equivalents $89.7M.

## SEC filing metadata
- accession: 0001781755-25-000107
- form_type: 8-K
- ticker: BWIN
- cik: 0001781755
- company_name: Baldwin Insurance Group, Inc.
- filed_at: 2025-11-04T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1781755/000178175525000107/0001781755-25-000107-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1781755/000178175525000107/bwin-20251104.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001781755-25-000107
- JSON: https://secwatch.observer/filing/0001781755-25-000107.json
- Plain text: https://secwatch.observer/filing/0001781755-25-000107.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.