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Willis Towers Watson

NASDAQ: WTW

Stock price

323.91 USD

(+33.69%) 5 years

Insurance BrokersInsurance - Brokers

Financial Performance

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5Y price score: 52

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 180.6%

DATE RANGE:

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  • Free cash flow per share

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240.6

52-week range

351.5

323.911

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Required return / cost of capital
%
FCFF terminal growth rate
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Your fair value & Margin of safety

To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

Forecast:

Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

5.7 %

Dividend Yield TTM

1.2 %

Market cap $

$ 30,082

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

19.8

Price / Book TTM

3.9

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

3.2 %

40.7 %

180.6 %

Free cash flow per share growth

14.5 %

36.4 %

1,167.7 %

Earnings per share growth

4.2 %

112.5 %

200.6 %

Founded: 2,016

Employees: 49,000

Business Summary:Willis Towers Watson Public Limited Company (WTW) functions as a global provider of comprehensive consulting, brokerage, and solutions services. Its operations are structured across two primary divisions: Health, Wealth and Career, and Risk and Broking. Within the Health, Wealth and Career segment, WTW furnishes actuarial guidance, plan development, and administrative assistance for conventional pension and retirement savings schemes. It also delivers consulting, brokerage, and management services for health and group employee benefit programs, along with outsourced benefits administration. Furthermore, the company offers strategic counsel, analytical data, specialized software, and various products designed to help clients effectively manage their overall compensation and human capital challenges. The Risk and Broking division extends expertise in risk management, insurance placement, and advisory services, covering sectors such as property and casualty, aerospace, construction, and marine. It also supplies investment consulting and discretionary portfolio management services tailored for insurance and reinsurance firms. Additionally, this segment encompasses specialized insurance consulting and technology solutions, including risk and capital management, predictive modeling and pricing strategies, financial and regulatory compliance reporting, capital modeling, merger and acquisition support, outsourcing, and general business management services. The company engages in wholesale insurance broking, serving both retail and other wholesale brokers, and provides services related to underwriting, capital management, capital markets, and various advisory and brokerage functions. Moreover, WTW facilitates primary medical and supplementary benefit exchanges, alongside providing outsourcing services to both active employees and retirees in collective and individual markets. It also administers various healthcare and reimbursement accounts, such as Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Flexible Spending Accounts (FSAs), and other consumer-directed accounts. Previously known as Willis Group Holdings Public Limited Company, the organization adopted its current name, Willis Towers Watson Public Limited Company, in January 2016. Established in 1828, WTW maintains its headquarters in London, UK.

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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q3 (Oct 29, 2026)

1) Strategic Progress and Technology Investments - WTW achieved 4% organic growth in Q3 2026, with adjusted operating margin expanding by 150 basis points and adjusted EPS growing by 18%. - The company continues to execute its strategy focused on performance acceleration, efficiency enhancement, and portfolio optimization. - Propel, WTW's AI Acceleration Plan, is being rolled out, aiming to leverage AI for improved client solutions and operational efficiency. - Significant wins include large-scale AI workforce transformations and expanded relationships with major clients, showcasing the effectiveness of WTW's strategic approach.

2) Financial Performance Overview - Q3 2026 results included: - Organic Revenue Growth: 4% overall, with Health, Wealth & Career (HWC) at 4% and Risk & Broking (R&B) at 5%. - Adjusted Operating Margin: 21.9%, up from the previous year. - Adjusted EPS: $3.63, an 18% increase YoY. - HWC's performance was driven by strong demand in health and career services, while R&B saw growth led by North American specialty lines.

3) Segment Results and Challenges - Health, Wealth & Career: - Health grew 6% organically, with strong renewals and project work. - Wealth grew 2%, reflecting steady retirement activity. - Career grew 9%, but outlook narrowed to low single-digit growth due to Middle East conflict impacts and timing of survey deliveries. - Benefits Delivery & Outsourcing (BD&O) declined 2% organically, with expectations for flat revenue in 2026 due to implementation delays.

  • Risk & Broking:
  • R&B's organic growth was 5%, with North America leading.
  • Competitive pricing environment noted, particularly in property insurance, but specialization strategy remains effective.
  • Expectation of sequential growth acceleration in Q4 driven by strong pipeline and specialty activity.

4) Operational Plans and Future Outlook - Propel's implementation is expected to ramp up in 2027, with anticipated margin improvements leading to a target of approximately 30% adjusted operating margin by 2028. - Continued focus on capital allocation with share repurchases expected to exceed $1 billion for the year, alongside disciplined M&A strategy targeting bolt-on acquisitions. - Guidance for 2026 remains mid-single-digit organic growth, with ongoing margin expansion anticipated.

5) Market Conditions and Investor Considerations - Commercial insurance rates are softening, particularly in property, but demand for specialty services remains strong. - The company is navigating a volatile economic environment with a focus on specialization and client retention. - The earnings call did not provide detailed projections for 2027, particularly regarding the impact of the BMS acquisition on financials.

Bottom line: WTW's Q3 results reflect a resilient business model with solid organic growth and margin expansion, driven by strategic technology investments and strong client relationships. The outlook remains positive, with expectations for continued growth and operational improvements, making it an attractive proposition for shareholders.

Annual Reports, Presentations And IR Contacts

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Annual report links (10K)
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Willis Towers Watson — Financial Overview, Stock Price, Market Cap

Willis Towers Watson is a company. Founded in 2016. As of October 30, 2026, the company's market capitalization is $30082251273 with a current stock price of $323.91.