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Company Analysis

Brown & Brown, Inc. BRO

A comprehensive view of key metrics, scores, and financial health for Brown & Brown, Inc.

Overview of Brown & Brown, Inc.

BRO NYQ
Financial Services Insurance Brokers Large Cap
Brown & Brown, Inc. (BRO), is a Large Cap company, in the Insurance Brokers industry, last closed at $63.14, about 39.3% overvalued vs fair value, -42.9% 1Y return, ranked 289/1037 in sector.
Metrics P/E 23.7× Rev Growth 22.5% ROE 11.1% Gross Margin 49.1% Div Yield 0.71%
$63.14
-4.51%
As of April 28, 2026
Previous close • Vol 90d: 30.4%
Market Cap
$21.40B
Enterprise Value
$28.24B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Excellent
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Excellent
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.bbrown.com
HQ Daytona Beach, FL
Employees 22,888
Fiscal year Dec 31

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$72
Current: $63.14 -39% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$5.8B
22.5%%
Claims & Losses
$-2.9B
22%%
Acquisition & Admin Expenses
$-2.9B
Underwriting Result
$1.5B
9.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
50.9%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$335.0M
31.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Brown & Brown, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Strong
87
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing BRO's balance between Growth (36.8%), Profitability (36.4%), and Safety (26.8%). Growth 37% Safety 27% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

73th percentile vs peers
74
Key Signals
Rev Growth YoY 22.5% 80p Equity Growth YoY 95.4% 90p Revenue CAGR 3Y 17.4% 71p Asset Growth YoY 70.3% 95p EPS Growth YoY -3.7% 31p
Strengths
  • Rev Growth YoY in top 20% of peers (22.5%, 80th percentile)
  • Equity Growth YoY in top 20% of peers (95.4%, 90th percentile)
  • Net Profit Margin in top 20% of peers (18.3%, 85th percentile)
  • Operating Margin in top 20% of peers (26.1%, 90th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

72th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Brown & Brown, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$38.32
- - -
-39.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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