Willis Towers Watson Public Limited (WTW) Fair Value & Analysis
Financial Services · US · Market cap $27.9B
Willis Towers Watson Public Limited
WTW · US
Fair value as of: Jul 16, 2026
From 26 valuation models · updated 22 days ago
Share price +15.7% over the past month.
A solid business, but screening 35% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($276.14). The favourable scenario is already priced in.
- Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range $180.29 – $346.55 · fair‑value band $165.69 – $276.14 · the $340.01 price screens above the $220.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Willis Towers Watson Public Limited (WTW) currently trades at $340.01, while our model-based Fair Value estimate is $220.92, implying the stock looks roughly 35.0% overvalued today. We read business quality at 69/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Willis Towers Watson Public Limited generated revenue of $9.9B at a net margin of 16.8%. Revenue grew 8.5% year over year. It earns a return on equity of 20.6%. Net debt stands at $3.8B. Fundamentals as of Jul 16, 2026
Our scenario range runs from $165.69 (bear case) to $276.14 (bull case); at $340.01, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 41% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -39% fair-value upside, at -35%, WTW screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings ($302.27) versus Asset-Based ($56.58). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 66
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. The company operates through two segments: Health, Wealth & Career and Risk & Broking.
Full company description
Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. The company operates through two segments: Health, Wealth & Career and Risk & Broking. It offers strategy and design consulting, plan management service and support, broking and administration services for health, wellbeing, and other group benefit programs, including medical, dental, disability, life, voluntary benefits, and other coverages; actuarial support, plan design, and administrative services for pension and retirement savings plans; retirement consulting services and solutions; and integrated solutions that consists of investment discretionary management, pension administration, core actuarial, and communication and change management assistance services. The company also provides advice, data, software, and products to address clients' total rewards and talent issues; and risk advice, insurance brokerage, and consulting services in the areas of property and casualty, affinity, risk and analytics, aerospace, construction, global markets direct and facultative, financial, executive and professional risks, credit risk solutions, crisis management, surety, marine, and natural resources. In addition, it offers software and technology, risk and capital management, products and product pricing, financial and regulatory reporting, financial and capital modeling, M&A, outsourcing, and business management services. The company was formerly known as Willis Group Holdings Public Limited Company and changed its name to Willis Towers Watson Public Limited Company in January 2016. Willis Towers Watson Public Limited Company was founded in 1828 and is based in London, the United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Willis Towers Watson Public Limited reported revenue of $9.7B in FY2025 versus $9.0B in FY2021, a compound +1.9%/yr. Reported net income was $1.6B in FY2025, compounding −21.5%/yr from FY2021.
WTW screens 35% overvalued. Compare with Marsh & McLennan Companies, Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- WTW 2026 Defined Contribution Survey: Employers face a retirement readiness gap, and pressure is mounting to prove plans work
- Willis Towers Watson (WTW) Stock Gets Fair Value Boost After Analyst Target Revisions
- Willis Towers Watson (WTW) Stock Still Looks Rich As Insurers Rally
- Willis Towers Watson (WTW) Looks Fully Valued As Q2 Beat And Propel AI Lift Sentiment
Peer Group
Insurance Brokers · 36 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $182.18 | $112.25 | -38% |
| Aon plc AON | $367.21 | $224.91 | -39% |
| Arthur J. Gallagher & Co AJG | $253.09 | $75.58 | -70% |
| Brown & Brown, Inc BRO | $67.66 | $40.43 | -40% |
| Erie Indemnity Company ERIE | $227.31 | $157.43 | -31% |
| PB Fintech Limited POLICYBZR | ₹1,574 | ₹188.49 | -88% |
| Neptune Insurance Holdings NP | $31.03 | $3.52 | -89% |
| CorVel Corporation CRVL | $62.29 | $47.59 | -24% |
| Accelerant Holdings ARX | $13.52 | $18.06 | +34% |
| Rasan Information Technology Company 8313 | 130.20 SAR | 63.71 SAR | -51% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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