US · WTW
Willis Towers Watson Public Limited Company
- Sector
- Financial Services · Insurance - Brokers
- Headquarters
- London EC3M 7DQ
- Website
- willistowerswatson.com
Price · as of 2025-12-31
$256.34
Market cap 29.22B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $234.01 | -8.71% |
| Intrinsic Value(DCF) | $145.43 | -43.27% |
| Graham-Dodd Method(GD) | $17.28 | -93.26% |
| Graham Formula(GF) | $98.69 | -61.5% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $72.26 | $98.10 | $0.00 | $0.00 | $35.56 |
| 2012 | $80.37 | $62.90 | $0.00 | $0.00 | $0.00 |
| 2013 | $93.74 | $94.21 | $13.50 | $0.00 | $71.41 |
| 2014 | $108.06 | $104.51 | $10.49 | $0.00 | $64.41 |
| 2015 | $104.80 | $108.28 | $8.10 | $0.00 | $48.80 |
| 2016 | $112.98 | $134.20 | $2,476.40 | $0.00 | $335.76 |
| 2017 | $147.03 | $120.00 | $936.50 | $0.00 | $50.31 |
| 2018 | $154.06 | $129.87 | $651.20 | $0.00 | $62.42 |
| 2019 | $184.33 | $141.66 | $0.00 | $0.00 | $53.00 |
| 2020 | $208.56 | $150.07 | $21.59 | $0.00 | $84.28 |
| 2021 | $209.29 | $227.30 | $32.51 | $145.13 | $407.00 |
| 2022 | $222.22 | $168.11 | $9.76 | $0.00 | $61.18 |
| 2023 | $267.33 | $194.91 | $10.68 | $0.00 | $148.97 |
| 2024 | $327.20 | $221.44 | $0.00 | $0.00 | $0.00 |
| 2025 | $304.12 | $234.01 | $39.86 | $17.28 | $98.69 |
AI valuation
Our deep-learning model estimates Willis Towers Watson Public Limited Company's (WTW) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $234.01
- Current price
- $256.34
- AI upside
- -8.71%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$145.43
-43.27% upside
Graham-Dodd
$17.28
-93.26% upside
Graham Formula
$98.69
-61.5% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WTW | Willis Towers Watson Publ… | $256.34 | 29.22B | -9% | -43% | -93% | -61% | 18.48 | 3.74 | 3.07 | 12.55 | — | -14.17 | 42.06% | 23.01% | 16.53% | 20.27% | 15.73% | 5.64% | 0.87 | 8.59 | 1.20 | 0.42 | 1.41 | -179375.00% | -224.00% | 2202.00% | 5.19% | 0.13 | 13.03% | 1.20% | 22.20% | 7.64% | 15.03 | 21.72 | 3.46 | 1.51 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| BBDO | Banco Bradesco S.A. | $3.74 | 39.57B | +287% | +2,945% | -47% | +416% | 8.65 | 1.15 | 0.59 | 46.87 | 23.12 | 1.34 | 34.61% | 5.40% | 6.78% | 13.65% | 2.79% | 1.08% | 4.45 | 0.10 | 0.46 | 0.00 | 37.26 | 3742.00% | 3985.00% | -37561.00% | 125.95% | 0.39 | 38.13% | 5.78% | 50.00% | 5.89% | 52.95 | 3.87 | 2.86 | 0.10 |
| BRO | Brown & Brown, Inc. | $71.82 | 24.52B | +42% | +35% | — | +59% | 21.02 | 1.79 | 3.77 | 14.38 | — | -3.01 | 87.68% | 28.46% | 17.70% | 11.24% | 9.04% | 4.48% | 0.63 | 5.71 | 1.04 | 0.56 | 3.36 | -867.00% | 2659.00% | 2656.00% | 6.16% | 0.17 | 9.47% | 0.86% | 18.20% | 1.31% | 17.27 | 21.18 | 4.91 | 1.50 |
| HIG | The Hartford Financial Se… | $140.83 | 39.28B | -24% | -46% | -32% | +45% | 10.44 | 2.11 | 1.42 | 7.46 | 36.39 | 2.43 | 46.08% | 16.84% | 13.57% | 21.66% | 21.66% | 4.60% | 0.23 | 23.92 | 17.65 | 17.65 | 0.79 | 2870.00% | 710.00% | -19.00% | 14.36% | 9.68 | 32.48% | 1.53% | 16.00% | 5.56% | 8.39 | 6.94 | 1.41 | 1.41 |
| KB | KB Financial Group Inc. | $110.00 | 39.44B | -6% | +446,716% | +54% | +307% | 10.01 | 0.95 | 1.15 | 6.85 | 49.71 | 0.95 | 49.06% | 16.83% | 11.54% | 9.80% | 9.00% | 1.54% | 0.00 | 0.65 | — | — | 0.00 | 2013.00% | 3420.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 188.08% | 6.85 | — | 1.15 | — |
| NWG | NatWest Group plc | $16.60 | 33.09B | +38% | +14% | +23% | +161% | 3.17 | 0.57 | 0.83 | -0.22 | 11.59 | 0.69 | 56.34% | 26.15% | 19.78% | 18.81% | 80.29% | 1.08% | 1.69 | 0.60 | 0.20 | 0.20 | -1.53 | 2736.00% | 320.00% | 73429.00% | 23.70% | 0.01 | 79.68% | 9.73% | 30.80% | 20.20% | -0.26 | -0.34 | -0.07 | -0.51 |
| RJF | Raymond James Financial, … | $153.08 | 30.23B | -35% | +33% | -50% | +9% | 15.38 | 2.63 | 2.06 | 4.02 | 248.68 | 3.08 | 88.16% | 28.66% | 13.42% | 17.66% | -150.25% | 2.49% | 0.36 | 2.47 | 0.32 | 0.35 | -1.44 | 619.00% | 794.00% | 1518.00% | 6.84% | 0.04 | -94.05% | 1.27% | 19.50% | 5.12% | 4.19 | 8.51 | 1.20 | 0.22 |
| SLF | Sun Life Financial Inc. | $65.55 | 36.34B | -10% | +232,350% | -95% | +109% | 14.71 | 2.13 | 1.24 | 12.13 | 88.06 | 5.30 | 100.00% | 11.37% | 8.87% | 14.03% | 14.53% | 0.92% | 0.90 | 9.12 | — | — | 2.32 | 1670.00% | 2229.00% | 46936.00% | 26.07% | — | 52.31% | 3.95% | 58.10% | 7.22% | 13.46 | 4.74 | 1.53 | 0.32 |
| STT | State Street Corporation | $128.62 | 35.93B | -24% | -2% | -51% | -79% | 12.32 | 1.30 | 1.75 | 12.66 | 84.27 | 1.93 | 67.21% | 18.02% | 14.23% | 11.07% | -39.84% | 0.82% | 1.07 | 0.43 | 3.59 | 0.00 | 5.71 | 1462.00% | -578.00% | -13036.00% | 11.84% | 0.13 | -58.05% | 3.09% | 38.10% | 6.69% | 17.70 | 15.39 | 3.19 | 0.61 |
| WRB | W. R. Berkley Corporation | $71.70 | 27.25B | +42% | -21% | -34% | -2% | 16.33 | 2.96 | 1.98 | 13.15 | 791.02 | 2.96 | 19.81% | 15.87% | 12.10% | 19.55% | -319.05% | 6.66% | 0.29 | 18.40 | — | — | 0.15 | 206.00% | 782.00% | -448.00% | 11.75% | — | -596.00% | 0.00% | 0.00% | 1.76% | 13.36 | 9.14 | 2.12 | 1.41 |
About Willis Towers Watson Public Limited Company
Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. It operates through two segments, Health, Wealth and Career; and Risk and Broking. The company offers actuarial support, plan design, and administrative services for traditional pension and retirement savings plans; plan management consulting, broking, and administration services for health and group benefit programs; and benefits outsourcing services. It also provides advice, data, software, and products to address clients' total rewards and talent issues. In addition, the company offers risk advice, insurance brokerage, and consulting services in the areas of property and casualty, aerospace, construction, and marine. Further, it offers investment consulting and discretionary management services to insurance and reinsurance companies; insurance consulting and technology, risk and capital management, pricing and predictive modeling, financial and regulatory reporting, financial and capital modeling, merger and acquisition, outsourcing, and business management services; wholesale insurance broking services to retail and wholesale brokers; and underwriting and capital management, capital market, and advisory and brokerage services. Additionally, the company provides primary medical and ancillary benefit exchange, and outsourcing services to active employees and retirees in the group and individual markets, as well as delivers healthcare and reimbursement accounts, including health savings accounts, health reimbursement arrangements, flexible spending accounts, and other consumer-directed accounts. 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.
- CEO
- Carl Aaron Hess
- Employees
- 49K
- Beta
- 0.62
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($145.43 ÷ $256.34) − 1 = -43.27% (DCF, example).