Fundamentals · 2026-09-09S&P 500ANNUAL BASIS

Willis Towers Watson

WTW stock analysis · Financials · Insurance Brokers

FY 2025-12-31ANNUAL FILINGS
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These are research estimates based on annual filings. Valuation uses a cash-flow proxy and explicit assumptions; prices are not live. Published valuations use annual periods first filed by the price date, with later restatements retained.
Reference share price · USD
$261.37HISTORICAL SNAPSHOT

As of · fund-implied per-share value

Fund holding value ÷ shares held. Not a live quote; not adjusted for later stock splits.

View SEC fund filing ↗
Estimated issuer market cap
$24.7B

Price × SEC outstanding shares. Shares measured 2026-04-27. Approximate; share and price dates can differ.

View share-count filing ↗
Reviewed cash-flow model

Reviewed operating-business exception limited to this annual period. WTW provides advisory, broking and consulting services and explicitly states it does not underwrite insurable risks for its own account. Fiduciary-fund movements are financing cash flows. The reviewed debt carrying totals are $6.306bn in FY2025 and $5.309bn in FY2024; future contractual interest is excluded from debt. Acquisition and transformation spending affect this historical cash-flow scenario. FCF remains consolidated rather than parent-allocated; DCF and reverse DCF await a dated minority-claim bridge. Business description ↗

Valuation

DCF value

Consolidated cash flow includes noncontrolling interests. A dated valuation bridge for those claims has not been reviewed, so per-share DCF and reverse DCF remain unavailable.

Consolidated cash flow includes noncontrolling interests. A dated valuation bridge for those claims has not been reviewed, so per-share DCF and reverse DCF remain unavailable.

How this is calculated ↗
Valuation

Reverse DCF

Consolidated cash flow includes noncontrolling interests. A dated valuation bridge for those claims has not been reviewed, so per-share DCF and reverse DCF remain unavailable.

Consolidated cash flow includes noncontrolling interests. A dated valuation bridge for those claims has not been reviewed, so per-share DCF and reverse DCF remain unavailable.

How this is calculated ↗
Valuation

Relative valuation

11.5%

69 sector peers · median 17.1×

How this is calculated ↗
Valuation

Historical multiples

25.3×

6 annual observations · snapshot P/E 15.4× · -39.3% versus history

How this is calculated ↗
Valuation

Free cash flow yield

6.3%

Annual basis · read assumptions below

How this is calculated ↗
Quality

ROIC / quality

15.6%

Normalized tax · financing-capital proxy · short-term borrowing coverage incomplete

How this is calculated ↗
Valuation

Value composite

52/100

Annual basis · read assumptions below

How this is calculated ↗
Momentum

12–1 price momentum

Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

How this is calculated ↗
Investment

Asset growth

6.7%

Annual basis · read assumptions below

How this is calculated ↗
Investment

Net payout yield

Requires reported dividends, repurchases and issuance; missing values are not zero.

Requires reported dividends, repurchases and issuance; missing values are not zero.

How this is calculated ↗
Quality

Accrual quality

-0.6%

Annual basis · read assumptions below

How this is calculated ↗
Momentum

Fundamental momentum

6.0%

Annual basis · read assumptions below

How this is calculated ↗

Follow the cash

ANNUAL · USD

Operating cash flow and reinvestment over time

USD · bar maximum 2.1B2020-12-31: cfo $1,774,000,000.0020202021-12-31: cfo $2,061,000,000.0020212022-12-31: cfo $812,000,000.0020222023-12-31: cfo $1,345,000,000.002023-12-31: capex $242,000,000.0020232024-12-31: cfo $1,512,000,000.002024-12-31: capex $245,000,000.0020242025-12-31: cfo $1,775,000,000.002025-12-31: capex $229,000,000.002025
Operating cash flowCapital expenditure

Annual USD. Negative bars use a compressed lower scale. Hover or inspect the financial history table for exact values.

Make the assumptions yours

Personal inputs stay in this browser. Blank fields retain published inputs. Five-year forecast; zero net borrowing. Required return must exceed terminal growth.

How sensitive is the valuation?

DCF per-share sensitivity · includes reviewed preferred and minority-owner claims · rows: required return · columns: growth
Return / Growth3.0%5.0%7.0%
8.0%
10.0%
12.0%

Annual financial history

Open SEC filings ↗
Fiscal year-endRevenueNet incomeOperating cash flowCapital expenditureAssets
2025-12-319.5B1.6B1.8B229M29.5B
2024-12-319.7B-88M1.5B245M27.7B
2023-12-319.3B1.1B1.3B242M29.1B
2022-12-318.7B1B812M31.8B
2021-12-318.8B4.2B2.1B35B
2020-12-318.6B1B1.8B38.5B
2019-12-318.3B1.1B1.1B35.4B
2018-12-318.4B715M1.3B268M32.4B

USD, abbreviated. Restated annual history; not a point-in-time backtest. Missing values appear as dashes.

Trace the inputs

MODEL ANNUAL PERIOD
InputValueSEC tag / sourceFiled
revenue9.5BRevenueFromContractWithCustomerExcludingAssessedTax2026-02-25
netIncome1.6BProfitLoss
Explicit consolidated amount, including the portion attributable to noncontrolling interests.
2026-02-25
Parent/common earnings proxy1.6BNetIncomeLoss2026-02-25
cfo1.8BNetCashProvidedByUsedInOperatingActivities2026-02-25
capex229MPaymentsToAcquireProductiveAssets2026-02-25
operatingIncome2.2BOperatingIncomeLoss2026-02-25
assets29.5BAssets2026-02-25
equity8.1BStockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Explicit consolidated amount, including the portion attributable to noncontrolling interests.
2026-02-25
Parent book equity proxy8BStockholdersEquity2026-02-25
debt6.3BReviewed manual correction
Consolidated balance-sheet carrying debt and Note 11: $5,756m noncurrent plus $550m current = $6,306m. The undimensioned LongTermDebt tag in the contractual-obligation schedule includes future interest and is not carrying debt.
2026-02-25
shortDebtNot reported under a supported tag
cash3.1BCashAndCashEquivalentsAtCarryingValue2026-02-25
shares99MWeightedAverageNumberOfDilutedSharesOutstanding2026-02-25
dividends358MPaymentsOfDividendsCommonStock2026-02-25
buybacks1.7BPaymentsForRepurchaseOfCommonStock2026-02-25
issuanceNot reported under a supported tag