# Willis Towers Watson Public Limited Company Ordinary Shares (WTW) — Stock CV

Willis Towers Watson Public Limited Company is a $27.5B financial services company. Revenue grew 3.0% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 17.2× earnings — near the highest of its own history.

> Willis Towers Watson PLC is an advisory, broking, and solutions company that provides data-driven, insight-led solutions in the areas of people, risk, and capital. The company's segments include Health, Wealth & Career (HWC) and Risk & Broking (R&B).

## Identity

- **Ticker**: WTW
- **Sector**: Financial Services
- **Industry**: Insurance Agents, Brokers & Service
- **Headquarters**: LONDON ENGLAND, X0
- **Employees**: 48 100
- **Website**: https://www.willistowerswatson.com
- **Market cap**: $27.5B
- **Last price**: $296.26
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $10.1B
- **Net income**: $1.56B
- **Free cash flow**: $1.69B
- **Net debt**: $2.62B
- **P/E**: 17.2
- **Revenue growth (YoY)**: 3.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 60 |
| Growth | 26 |
| Profitability | 80 |
| Health | 50 |
| Quality | 85 |
| Moat | 42 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +3.0% YoY
- [x] Profitable — $1.56B TTM
- [x] Profit growing — +21.6% YoY
- [x] Generates cash — $1.69B TTM
- [x] Debt under control — ~1.6y of cash flow to repay
- [x] Established company — $27.5B market cap
- [x] Not printing shares — -22.1% shares over ~5y
- [x] Proven track record — 9/10 profitable years
- [ ] Financially stable — health score 30/100
- [x] Pays a dividend — yield 1.33%
- [x] Valuation not extreme — P/E 17.2

## Experience (career milestones)

- **FY2021** — Became debt-free: cash now exceeds total debt
- **FY2021** — Best year on record: $4.22B net income
- **FY2016** — First recorded profitable year: $420M net income
- **FY2016** — Revenue already above $1B: $7.89B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Strong cash conversion — FCF is 16.7% of revenue
- Interest covered 8.1× by operating earnings
- High returns on invested capital (ROIC 17.1%)

## Watch-outs

- Loss-making in 1 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $9.00B | $4.22B | $1.91B |
| FY2022 | $8.87B | $1.01B | $674M |
| FY2023 | $9.48B | $1.05B | $1.10B |
| FY2024 | $9.93B | -$98.0M | $1.27B |
| FY2025 | $9.71B | $1.60B | $1.55B |

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Source: https://stockcv.com/WTW — derived from company filings; may be delayed or incomplete. Information, not investment advice.