What is Willis Towers Watson Public Limited Company (WTW) DCF Fair Value and Intrinsic Value in 2026?

Willis Towers Watson Public Limited Company (WTW) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Willis Towers Watson Public Limited Company's historical Return on Invested Capital (ROIC) and Moat Rating?

Willis Towers Watson Public Limited Company operates in the Financials sector (Insurance Brokers) with an economic moat rating of NARROW. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Willis Towers Watson Public Limited Company's financial health rating and Piotroski F-Score?

Willis Towers Watson Public Limited Company's balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Willis Towers Watson Public Limited Company (WTW) for quarterly SEC filing thesis breaks?

LocalAlpha audits Willis Towers Watson Public Limited Company's 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksWTW

WTW

Willis Towers Watson Public LimFinancial Services / Insurance BrokersINTACT

Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. The company operates through two segments: Health, Wealth & Career and Risk & Broking. It offers strategy and design consulting, plan management service and support, broking and administration services for health, wellbeing, and other group benefit programs, including medical, dental, disability, life, voluntary benefits, and other coverages; actuarial support, plan design, and administrative services for pension and retirement savings plans; retirement consulting services and solutions; and integrated solutions that consists of investment discretionary management, pension administration, core actuarial, and communication and change management assistance services. The company also provides advice, data, software, and products to address clients' total rewards and talent issues; and risk advice, insurance brokerage, and consulting services in the areas of property and casualty, affinity, risk and analytics, aerospace, construction, global markets direct and facultative, financial, executive and professional risks, credit risk solutions, crisis management, surety, marine, and natural resources. In addition, it offers software and technology, risk and capital management, products and product pricing, financial and regulatory reporting, financial and capital modeling, M&A, outsourcing, and business management services. 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.

Share Price

$315.61

52W: $240.61 - $352.79

DCF Fair Value

$276.87

-14% Premium

Thesis Hub

P/E (TTM)

19.5x

ROIC

13.2%

Operating Margin

17.6%

FCF Yield

4.8%

Debt / Equity

0.91x

Piotroski Score

7/9

Altman Z-Score

3.51

Market Cap

$29.3B

Price vs. Intrinsic Value Corridor

Overvalued vs DCF ($276.87)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$276.87

MOS Buy Target (-25%)

$207.65

Valuation Overlays: DCF Fair Value ($276.87) 25% MOS Buy Target ($207.65) Revised Graham ($321.25) Graham Number ($173.31)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$315.61

DCF Fair Value

$276.92

-14% Premium

Starting Free Cash Flow ($M)$1,416M

$100M$1,416M (Reported)$50,000M

Stage 1 Growth (Years 1-5)8.8%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)$5,400M

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$13.2B

PV of Terminal Value

$17.9B

Implied Enterprise Value

$31.2B

Implied Equity Value

$25.8B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$1,541	$1,676	$1,824	$1,984	$2,159	$2,256	$2,357	$2,464	$2,574	$2,690
Present Value (PV)	$1,413	$1,411	$1,408	$1,406	$1,403	$1,345	$1,290	$1,236	$1,185	$1,136

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number-82.1% Premium

$173.31

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $16.15BVPS: $82.66

Revised Graham Formula+1.8%

$321.25

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings4.6% Yield

$14.46 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $1.3BYield: 4.6%

Reverse DCF: Market Growth Expectation

MODEST BARRIER

6.1% CAGR (Next 10 Yrs)

At the current price of $315.61, the market is assuming the business will compound Free Cash Flow at 6.1% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil WTW with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Willis Towers Watson Public Lim. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 17.6% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Willis Towers Watson Public Lim (WTW) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Willis Towers Watson Public Lim.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Willis Towers Watson Public Lim has an estimated DCF intrinsic fair value of $276.87 per share compared to its current market price of $315.61. This represents an estimated 14.0% premium over fair value. Additionally, its classic Benjamin Graham Number stands at $173.31.