BWINHIGH SIGNALFINANCIAL10-K

Operating cash flow collapsed from $102.2M to negative $29.4M (-128.8%) despite improved operating income, indicating severe working capital deterioration or timing issues.

The dramatic cash flow decline while operating income improved 21.9% suggests significant working capital management issues, collection problems, or major timing differences that could strain liquidity. This disconnect between earnings and cash generation is a red flag for investors as it may indicate underlying operational challenges or aggressive revenue recognition practices.

Comparing 2026-02-26 vs 2025-02-25View on EDGAR →
FINANCIAL ANALYSIS

BWIN experienced a concerning financial divergence with operating income rising 21.9% to $73.9M while operating cash flow plummeted 128.8% into negative territory at -$29.4M. Current assets grew 16.9% but cash declined 16.5%, and net losses widened to -$33.8M. This pattern of improving operating performance coupled with severe cash flow deterioration and declining cash balances suggests potential working capital stress or collection issues that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-128.8%
$102.2M-$29.4M

Operating cash flow fell 128.8% — earnings quality concerns; investigate working capital changes and non-cash items.

Net Income
P&L
-37.9%
-$24.5M-$33.8M

Net income declined 37.9% — review whether driven by operations, interest costs, or non-recurring items.

Operating Income
P&L
+21.9%
$60.6M$73.9M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Current Assets
Balance Sheet
+16.9%
$1.0B$1.2B

Current assets grew 16.9% — improving short-term liquidity or inventory/receivables build.

Cash & Equivalents
Balance Sheet
-16.5%
$148.1M$123.7M

Cash decreased 16.5% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-25
ADDED
As of February 20, 2026, there were 96,721,068 shares of Class A common stock outstanding and 46,136,333 shares of Class B common stock outstanding.
4 Commonly Used Defined Terms The following terms have the following meanings throughout this Annual Report on Form 10-K unless the context indicates or requires otherwise: 2019 Stockholders Agreement Stockholders Agreement between Baldwin and the applicable holders of LLC Units in Baldwin Holdings entered into on October 28, 2019 2024 Stockholders Agreement Stockholders Agreement between Baldwin and the applicable holders of LLC Units in Baldwin Holdings entered into on October 30, 2024 2025 Refinancings Amendment No.
2 to Amended and Restated Credit Agreement, dated as of January 10, 2025, Amendment No.
3 to Amended and Restated Credit Agreement, dated as of September 18, 2025, and Amendment No.
Our team now comprises approximately 5,000 colleagues including those who joined us through our January 2026 partnerships.
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REMOVED
As of February 20, 2025, there were 68,152,042 shares of Class A common stock outstanding and 49,440,870 shares of Class B common stock outstanding.
These forward-looking statements, which are subject to risks, uncertainties and assumptions about us, may include projections of our future financial performance, our anticipated growth strategies and anticipated trends in our business.
Securities and Exchange Commission Securities Act Securities Act of 1933, as amended Senior Secured Notes 7.125% senior secured notes with an aggregate principal amount of $600 million due May 15, 2031 SOFR Secured Overnight Financing Rate Tax Receivable Agreement Tax Receivable Agreement between Baldwin and certain holders of LLC Units in Baldwin Holdings entered into on October 28, 2019 Westwood Westwood Insurance Agency, a 2022 partner Wholesale Business Our specialty wholesale broker business, which was sold on March 1, 2024 6 PART I ITEM 1.
Our 4,000 plus colleagues include over 700 risk advisors, who are fiercely independent, relentlessly competitive and insurance geeks.
In the United States, our industry is comprised of large, global participants, such as those described in the section titled Competition below.
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