Willis Towers Watson Public Limited Company (WTW) Stock

Willis Towers Watson Public Limited Company (WTW) is a Financials stock trading at $337.68 (as of 2026-09-02), with a market capitalization of $31.89B and a trailing P/E of 20.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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.

Understand Willis Towers Watson Public Limited Company: how it makes money

Willis Towers Watson advises companies on insurance, retirement plans, health benefits, and talent strategy, earning fees from brokerage, consulting, and plan administration. Revenue splits roughly evenly between its two segments: Health, Wealth & Career and Risk & Broking, with clients paying recurring advisory and service fees.

Revenue comes from recurring advisory, brokerage, and plan-administration fees tied to client headcount and program complexity; the margin lever is labor productivity, not asset growth, making AI-driven workflow gains the core expansion mechanism.

Revenue by segment (latest quarter)
Health, Wealth & Career$1.3B
Risk & Broking$1.1B

Business quality (Mixed): Operating margin at 15% with a 28.9x multiple (121% above the 13.1x industry average) means the market is underwriting a 30% margin story that is still two to three years out. The business earns premium fees for expertise, but the Propel reorganization must not slip if the valuation is to hold.

Valuation: At 29× earnings, WTW trades 121% above the Insurance average (13×).

Bull case

  • Margin Target Raised to 30%: Management lifted the medium-term enterprise margin target to approximately 30% by 2028. Against the current 15% operating margin, that implies the Propel reorganization and productivity initiatives are converting directly into bottom-line expansion rather than being absorbed by cost.
  • AI Already Lifting Productivity: Management reports AI tools are already producing significant workflow productivity gains, which for a labor-intensive advisory firm means revenue-per-employee can grow without proportional headcount, the classic operating-leverage play.
  • Mid-Single-Digit Growth Intact: Management guides for continued mid-single-digit organic growth with annual margin expansion in 2026, suggesting the pipeline of corporate insurance and benefits projects is holding despite macro uncertainty in certain regions.

Bear case

  • Propel Presses Free Cash Flow: Propel requires a sizable upfront cash investment plus additional non-cash charges, and management acknowledges FCF faces headwinds until the program completes. Investors funding a 30% margin story are left waiting on multi-year execution with no near-term cash visibility.
  • Insurance Rates Declining: Insurance pricing remains competitive with rates declining across most lines, pressuring the Risk and Broking segment that contributes 45% of revenue ($1.1B). Sustained rate softness erodes the brokerage fee base even as advisory volumes hold.
  • Valuation Prices in Perfection: At 28.9x earnings versus a 13.1x insurance industry average (121% above peers), the stock already embeds flawless Propel execution and uninterrupted margin expansion. A single miss on the 30% target or a growth deceleration invites a multiple compression toward sector norms.
Valuation — source: SEC EDGAR (first-party)
Price$337.68
Market Cap$31.89B
P/E Ratio20.4
EV / EBITDA13.5
Price / Book4.10
Price / Sales3.16
FCF Yield4.8%
DCF Value (model)$212.52
DCF Upside vs Price-37.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$9.71B
Net Margin16.5%
Revenue Growth (YoY)9.1%
EPS Growth (YoY)-27.2%
FCF Growth (YoY)65.9%
Financial Health — source: SEC EDGAR
Altman Z-Score1.57 (distress)
Valuation vs Sector & Industry
Stock P/E20.4
Sector P/E (Financials)14.9
Industry P/E (Insurance)12.1
vs Sector37.1%
vs Industry68.3%
Company
SectorFinancials
IndustryInsurance
CEOCarl Aaron Hess
Employees49,000
CountryGB
IPO Date2001-06-12

Willis Towers Watson Public Limited Company earnings call transcripts

  • WTW Q2 FY26 earnings call transcript (reported 2026-07-30) · analysis
  • WTW Q1 FY26 earnings call transcript (reported 2026-04-30) · analysis
  • WTW Q4 FY25 earnings call transcript (reported 2026-02-03) · analysis
  • WTW Q2 FY25 earnings call transcript (reported 2025-07-31) · analysis

All WTW earnings calls

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WTW earnings history · WTW institutional & insider holders · WTW KPIs & operating metrics · WTW financials · WTW investor presentations & press releases · WTW SEC filings · WTW peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.