Stock Analysis
Willis Towers Watson Public Limited Company Ordinary SharesWTW
P/E 18.72×· 5Y range 5.22–20.84×· top 3% of history
Sector: Financial Services · Industry: Insurance Agents, Brokers & Service
AnalystsBuy28 analystsP/E 18.7× sits at the 97th percentile of its 4.7637462924937255-year history.
Cash covers 23% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Quality85
- Profitability72
Risks
- Valuation52
- Growth31
Mixed fundamentals at a demanding price.
Bull Case
- ✓ROE 20.1% — efficient capital deployment
What's happening with WTW
Profile
Strong earnings quality; growth, moat and financial health lag behind.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (97th pct)0/25
- FCF yield (5.8%)20/25
- P/S (2.9x)20/25
- EV/EBIT (15.5x)12/25
- Growth31/100 · Weak
- Revenue CAGR (1.9%)6/25
- Net income CAGR (-21.5%)0/25
- EPS CAGR 5Y (-16.4%)0/25
- Fwd implied growth (37.1%)25/25
- Profitability72/100 · Moderate
- ROIC (13.4%)12/25
- ROE (20.1%)20/25
- Net margin (15.5%)20/25
- Operating margin (22.2%)20/25
- Financial Health45/100 · Weak
- Altman Z (1.06)3/25
- Current ratio (1.10)12/25
- Interest coverage (5.2x)18/25
- Net cash / debt (D/A 18%)12/25
- Quality85/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.64)25/25
- FCF conversion (108%)25/25
- Margin stability (σ 5.1%)20/25
- Moat42/100 · Weak
- ROIC >12% years (3/10 yrs)6/25
- Median gross margin (18.9%)6/25
- FCF-positive years (8/8 yrs)25/25
- Worst-year net margin (worst -1.0%)5/25
Risk Flags
- ⚠Altman Z 1.1 — distress-zone balance sheet
- ⚠P/E 18.7× at top 3% of 5-year history
About Willis Towers Watson Public Limited Company Ordinary Shares
Willis Towers Watson PLC is an advisory, broking, and solutions company that provides data-driven, insight-led solutions in the areas of people, risk, and capital. Show more
The company's segments include Health, Wealth & Career (HWC) and Risk & Broking (R&B). The HWC segment provides an array of advice, broking, solutions and technology for employee benefit plans, institutional investors, compensation and career programs, and employee experience overall. It focuses on four key areas: Health, Wealth, Career and Benefits Delivery & Outsourcing. The R&B segment provides risk advice, insurance brokerage and consulting services to clients ranging from small businesses to multinational corporations. Its R&B segment includes two businesses: Corporate Risk & Broking and Insurance Consulting and Technology.
Headquarters: LONDON ENGLAND, X0 · Employees: 48,100 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
52CP/E (TTM)18.7xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 5.2x–20.8x · 97th pct
P/FCF16.2xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.8%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 4.0%–6.9% · 78th pct
P/S (TTM)2.90xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.3x–5.4x · 20th pct
EV/EBIT15.5xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 11.5x–59.6x · 51st pct
EV/Sales3.3xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio3.77xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.05B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.25%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio22.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC13.4%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE20.1%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA5.3%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.5%A
Grade A: HighNet Income / Revenue
Operating Margin22.2%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin22.2%D
Grade D: LowGross Profit / Revenue
FCF Margin16.7%A
Grade A: HighFCF / Revenue
True FCF Margin14.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
31DRevenue CAGR1.9%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-21.5%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-16.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth37.1%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income12.4%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.9%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
45D+Altman Z-Score1.06D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.10xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.09xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage5.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment3.2yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT2.4xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.91xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.23xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
85APiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.64A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion107.9%A
Grade A: StrongFCF / Net Income
Margin Stability5.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.34xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Banas Kristy D Filed | Banas Kristy D | Grant / award | +2 | |
Banas Kristy D Filed | Banas Kristy D | Grant / award | +42 | |
Faber Alexis Filed | Faber Alexis | Grant / award | +5 | |
Faber Alexis Filed | Faber Alexis | Grant / award | +46 | |
Furman Matthew Filed | Furman Matthew | Grant / award | +7 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Furman Matthew Filed | Furman Matthew | Grant / award | +50 | |
Gebauer Julie Jarecke Filed | Gebauer Julie Jarecke | Grant / award | +13 | |
Gebauer Julie Jarecke Filed | Gebauer Julie Jarecke | Grant / award | +63 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
42D+ROIC >12% Years3/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)18.9%D
Grade D: WeakMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years8/8 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-1.0%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$16.85
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$17.86
Cash & short-term investments per share (Finnhub)
Book Value / Share$82.66
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$7.10B
Total debt obligations (short + long term)
Cash & Equiv.$1.66B
Cash and short-term investments
Net Debt$5.44B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$7.77B
Shareholders' equity (book value)
Asset / Liability1.34xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$29.30B
Current Market Capitalization
Beta0.46B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Willis Towers Watson Public Limited Company Ordinary Shares (WTW)
WTW is up 1.65% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Willis Towers Watson Public Limited Company Ordinary Shares. Altman Z-Score of 1.06 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.64 suggests a low likelihood of earnings manipulation.
- Willis Towers Watson Public Limited Company Ordinary Shares converts about 17% of revenue into free cash flow — strong cash generation.
- Takes ~3.2 years to repay net debt from free cash flow.
- Willis Towers Watson Public Limited Company Ordinary Shares posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- Return on equity of 20.1% is well above the market average.
See how WTW ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all WTW moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 309.71 | +4.25% | 4.24 |
| Oct 15 | After-hours | 310.36 | +4.47% | 4.44 |
| Oct 8 | Regular | 298.64 | +2.74% | 2.67 |
| Oct 8 | After-hours | 297.86 | +2.47% | 2.45 |
Frequently Asked Questions about WTW
What is the current Willis Towers Watson Public Limited Company Ordinary Shares (WTW) stock price?
WTW is trading at $315.49 at the last market close, up 1.65% on the session. PreMarketPrice tracks WTW pre-market, intraday and after-hours prices.
Is WTW stock a buy right now?
PreMarketPrice's quantitative model rates Willis Towers Watson Public Limited Company Ordinary Shares's financial health at 45/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is WTW stock overvalued?
Willis Towers Watson Public Limited Company Ordinary Shares trades at a trailing P/E of 18.7 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Willis Towers Watson Public Limited Company Ordinary Shares report earnings?
No confirmed earnings date is currently scheduled for WTW. The Earnings section lists recent reports and updates as dates are announced.
What sector does Willis Towers Watson Public Limited Company Ordinary Shares operate in?
Willis Towers Watson Public Limited Company Ordinary Shares operates in the Financial Services sector, within the Insurance Agents, Brokers & Service industry. The Related Stocks section lists sector peers for comparison.
What does Willis Towers Watson Public Limited Company Ordinary Shares do?
Willis Towers Watson PLC is an advisory, broking, and solutions company that provides data-driven, insight-led solutions in the areas of people, risk, and capital.
About Willis Towers Watson Public Limited Company Ordinary Shares (WTW) Stock
Willis Towers Watson Public Limited Company Ordinary Shares (WTW) is a US-listed stock operating in the Financial Services sector, specifically the Insurance Agents, Brokers & Service industry. As of the latest update, Willis Towers Watson Public Limited Company Ordinary Shares is trading at $315.49, up 1.65% on the day with a market capitalization of $29.3 billion. The financial health score for WTW is 45/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for WTW stock.
WTW Stock Analysis & Key Metrics
On PreMarketPrice, you can track Willis Towers Watson Public Limited Company Ordinary Shares (WTW) across multiple dimensions:
- Pre-market price & movement: Real-time WTW stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for WTW with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Willis Towers Watson Public Limited Company Ordinary Shares across multiple reporting periods.
- Financial health score: A composite score of 45/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for WTW.
- Sector peers: Compare WTW against 6 other financial services stocks on key financial metrics.
Is WTW a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Willis Towers Watson Public Limited Company Ordinary Shares (WTW) as an investment. The financial health score of 45/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Willis Towers Watson Public Limited Company Ordinary Shares (WTW) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.