Willis Towers Watson (WTW) Stock Analysis

November 11, 2026

This is a peer-relative look at Willis Towers Watson (WTW): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Willis Towers Watson (WTW)
Profile Item	WTW
Name	Willis Towers Watson Public Limited Company
Country/Region	United Kingdom
GICS Sector	Financials
GICS Industry Group	Insurance
GICS Industry	Insurance
GICS Sub-Industry	Insurance Brokers
Market Capitalization	30.33 billion USD
Currency	USD
Exchange	Nasdaq
Listing Date	June 12, 2001
Security Type	Common Stock

Price Performance

Cumulative Growth

WTW

GSPC

Willis Towers Watson (WTW) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Willis Towers Watson (WTW) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Willis Towers Watson (WTW) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Total Return (1Y)	2.59%	13.21%
Total Return (3Y, Annualized)	12.90%	16.41%
Total Return (5Y, Annualized)	8.63%	10.37%

Risk Profile

Drawdown History

WTW

GSPC

Willis Towers Watson (WTW) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Willis Towers Watson (WTW) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Volatility (1Y, Annualized)	31.09%	28.84%
Beta (5Y)	0.42	0.50
Max Drawdown (5Y)	-30.39%	-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. WTW is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Sharpe Ratio (1Y)	-0.05	0.28
Sortino Ratio (1Y)	-0.07	0.41

Profitability

ROE (TTM)

Willis Towers Watson (WTW) posts ROE of 20.18%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

WTW

Insurance industry group

20.18%

Group distribution

Max: 41.68%
Q3: 22.04%
WTW: 20.18%
Median: 14.81%
Q1: 8.79%
Min: -10.66%

Largest peers

PGR: 33.24%
TRV: 27.50%
MRSH: 27.24%
WTW: 20.18%
CB: 14.25%
MFC: 12.24%
AJG: 7.21%

Where Willis Towers Watson (WTW) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Willis Towers Watson (WTW) keeps 15.22% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

WTW

Insurance industry group

15.22%

Group distribution

Max: 29.92%
Q3: 17.03%
WTW: 15.22%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

Largest peers

MFC: 18.97%
CB: 18.13%
TRV: 17.03%
WTW: 15.22%
MRSH: 14.20%
PGR: 12.67%
AJG: 10.78%

Where Willis Towers Watson (WTW) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Willis Towers Watson (WTW) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
ROE (TTM)	20.18%	14.81%
ROA (TTM)	5.35%	2.72%
Net Margin (TTM)	15.22%	10.97%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Willis Towers Watson (WTW) grew revenue -2.24%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

Willis Towers Watson (WTW): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

No usable EPS growth is available for Willis Towers Watson (WTW) this period, so the earnings-momentum read is skipped.

Willis Towers Watson (WTW): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Revenue Growth (YoY)	-2.24%	7.89%
Revenue Growth (3Y CAGR)	3.07%	11.40%
EPS Growth (YoY)	--	21.77%
EPS Growth (3Y CAGR)	21.88%	18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Willis Towers Watson (WTW) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Willis Towers Watson (WTW) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Willis Towers Watson (WTW) has dividend yield of 0.29%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

WTW

Insurance industry group

0.29%

Group distribution

Max: 5.12%
Q3: 2.15%
Median: 0.98%
WTW: 0.29%
Q1: 0.00%
Min: 0.00%

Largest peers

MFC: 4.32%
MRSH: 1.80%
TRV: 1.17%
CB: 1.07%
AJG: 0.95%
WTW: 0.29%
PGR: 0.17%

Where Willis Towers Watson (WTW) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Willis Towers Watson (WTW) has payout ratio of 23.34%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

WTW

Insurance industry group

23.34%

Group distribution

Max: 76.67%
Q3: 35.18%
WTW: 23.34%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

Largest peers

PGR: 70.03%
MFC: 54.30%
MRSH: 44.14%
AJG: 41.98%
WTW: 23.34%
CB: 13.95%
TRV: 12.36%

Where Willis Towers Watson (WTW) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
Dividend Yield (TTM)	0.29%	0.98%
Dividend Payout Ratio (TTM)	23.34%	14.74%

Valuation

P/E Ratio (TTM)

Willis Towers Watson (WTW) trades at P/E ratio of 20.20, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

WTW

Insurance industry group

20.20

Group distribution

Max: 28.37
WTW: 20.20
Q3: 18.75
Median: 12.23
Q1: 9.08
Min: 2.32

Largest peers

AJG: 42.99
MRSH: 24.50
WTW: 20.20
MFC: 17.23
CB: 12.79
PGR: 11.47
TRV: 10.39

Where Willis Towers Watson (WTW) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Willis Towers Watson (WTW) trades at 2.95 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

WTW

Insurance industry group

2.95

Group distribution

Max: 4.03
WTW: 2.95
Q3: 2.25
Median: 1.23
Q1: 0.85
Min: 0.07

Largest peers

AJG: 4.58
MRSH: 3.42
WTW: 2.95
CB: 2.25
MFC: 2.11
TRV: 1.66
PGR: 1.44

Where Willis Towers Watson (WTW) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Willis Towers Watson (WTW) trades at 3.91 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

WTW

Insurance industry group

3.91

Group distribution

Max: 5.07
WTW: 3.91
Q3: 2.79
Median: 1.76
Q1: 1.23
Min: 0.30

Largest peers

MRSH: 6.64
WTW: 3.91
PGR: 3.82
AJG: 3.00
TRV: 2.79
MFC: 2.13
CB: 1.91

Where Willis Towers Watson (WTW) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Willis Towers Watson (WTW) metric values compared with Insurance industry-group medians
Metric	Current stock: WTW	Industry group median
P/E Ratio (TTM)	20.20	12.23
P/S Ratio (TTM)	2.95	1.23
P/B Ratio (MRQ)	3.91	1.76
Free Cash Flow Yield (TTM)	--	--