Willis Towers Watson Public Limited Company (WTW)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business: WTW is a global advisory and insurance broking firm serving health, wealth, career and risk needs. The numbers show a mixed but not broken enterprise. FairStock labels it a TURNAROUND because it returned to profit after a loss within the last three years, and the filed record fits: fiscal 2024 net income was -$98.0M with diluted EPS -$0.96, then fiscal 2025 net income was $1.6B and diluted EPS $16.26. However, fiscal Q2 2026, the quarter ended 2026-06-30, produced $2.4B revenue, $229.0M net income and $2.43 diluted EPS, below fiscal Q2 2025 net income of $331.0M and EPS $3.32 on $2.2B revenue. So the recovery is real but uneven. The moat evidence is modest: FairStock's ROE calculation is an attractive 19.76%, but ROCE is only 5.08% and profit has been uneven, so I cannot call this a wide, durable advantage. Financial health has supports: $1.7B trailing free cash flow, a 5.6% FCF yield, and a 1.24% dividend yield. But FairStock's D/E is 0.91, Altman Z-Score is 0.95, and Piotroski F-Score is 5/9, enough to demand caution. On valuation, at the 2026-10-26 close of $324.67, FairStock puts P/E at 20.10 and P/B at 3.93. The Graham Number is $173.31, and the margin of safety is -87.53%, offering no Graham-style cushion. I see a decent advisory and broking business with low beta of 0.42, but not a bargain; proof must come from steadier profit and returns.

In plain English: Willis Towers Watson is a global advisory and insurance broking company serving health, wealth, career and risk needs. The business looks profitable but uneven: full-year 2025 returned to profit after a fiscal 2024 loss, though latest quarterly net income fell from a year earlier. The stock price looks high compared with the company's accounting value and a conservative value calculation.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer