Stock · BRO · Financial Services
United States · Large Cap · listed since 1992 · Revenue 12 mo. $7B
Price as of 11/06/2026
Brown & Brown, Inc. markets and sells insurance products and services in the United States, the United Kingdom, and internationally.
Brown & Brown, Inc. markets and sells insurance products and services in the United States, the United Kingdom, and internationally. It operates through Retail and Specialty Distribution segments. The Retail segment provides property and casualty insurance products, employee benefits insurance products, personal insurance products, specialties insurance products, risk management strategies, loss control surveys and analysis, consulting, and claims processing services. This segment also offers non-insurance services and products through automobile and recreational vehicle dealer services businesses. It serves commercial, public and quasi-public entities, professionals, and individual customers. The Specialty Distribution segment comprises wholesale brokerage and specialty businesses. This segment offers professional liability and related package insurance products for dentistry, legal, eyecare, financial services, physicians, and real estate title professionals, as well as supplementary insurance products related to weddings, events, medical facilities, and cyber liabilities. This segment also provides public entity-related and specialty programs through a network of independent agents, as well as program management services for insurance carrier partners. In addition, the company's wholesale brokerage businesses underwrite and place excess and surplus commercial and personal lines insurance through independent agents and brokers. Its program businesses operate under the Arrowhead Programs name. The company was formerly known as Poe & Brown, Inc. and changed its name to Brown & Brown, Inc. in April 1999. Brown & Brown, Inc. was founded in 1939 and is headquartered in Daytona Beach, Florida.
Original text from the data provider
Summary
46.9 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €1.2B (2025), it supports €13.8B. The remaining €7.1B of the market value assume it grows 5.8% a year for 10 years and not at all afterwards.
Required FCF growth per year
5.8%
no growth afterwards
Price to operating cash flow 16.1×, below its usual range.
Middle half of 19 quarters: 18.5× to 24.5×, median 20.7×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
3 more unchanged: Revenue, 12 mo., Gross margin, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 8.40% | 12.46% | Rank 20 |
| Return on capital (Greenblatt) | 295.82% | 59.04% | Rank 82 |
| EBIT margin | 49.07% | 23.06% | Rank 88 |
| FCF margin | 23.98% | 19.82% | Rank 58 |
| Gross margin | 49.07% | 65.53% | Rank 27 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 22.49% | 7.39% | Rank 78 |
| Earnings growth, 3 years per year | 11.78% | 15.20% | Rank 40 |
| Earnings growth, 5 years per year | 14.09% | 15.17% | Rank 46 |
| Sustainable growth (ROE × retained earnings) | 1.18% | 1.25% | Rank 48 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 4.67% | 6.47% | Rank 23 |
| FCF yield | 5.95% | 7.16% | Rank 44 |
| EV/saleslower is better | 5.22 | 2.82 | Rank 33 |
| EV/EBITlower is better | 10.63 | 14.24 | Rank 67 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −15.23% | 7.80% | Rank 12 |
| Share price, 6 months | 28.24% | 8.71% | Rank 94 |
| Share price, 3 months | 6.10% | 0.45% | Rank 69 |
| Distance from 52-week high | −12.40% | −10.68% | Rank 42 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 31.59% | 1.23% | Rank 0 |
| Change in share countlower is better | 10.21% | −0.60% | Rank 6 |
| Dividend streak in years | 28 | 5 | Rank 98 |
| Price reaction to results, market-adjusted | −5.63% | 0.00% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 41.84% | 9.21% | Rank 88 |
| Net debt/EBITDAlower is better | 3.45 | 0.12 | Rank 24 |
| Debt to equitylower is better | 0.63 | 0.90 | Rank 61 |
| Volatility, 1 yearlower is better | 32.19% | 25.95% | Rank 28 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF | Shares | Net debt |
|---|---|---|---|---|---|
| 2016 | 1.8 | 26.5% | $393.3M | 276M | $558.2M |
| 2017 | 1.9 | 25.4% | $417.8M | 278M | $402.7M |
| 2018 | 2.0 | 24.9% | $526.0M | 282M | $1.1B |
| 2019 | 2.4 | 23.9% | $605.1M | 275M | $1.2B |
| 2020 | 2.6 | 25.8% | $650.9M | 276M | $1.5B |
| 2021 | 3.0 | 28.1% | $903.0M | 277M | $1.6B |
| 2022 | 3.6 | 27.3% | $828.8M | 279M | $3.5B |
| 2023 | 4.3 | 26.9% | $1.0B | 281M | $3.3B |
| 2024 | 4.7 | 29.1% | $1.1B | 284M | $3.4B |
| 2025 | 5.8 | 49.1% | $1.4B | 313M | $6.8B |
3 of 7 StockScorer Score rules met · How the score is built
Brown & Brown Inc mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Brown & Brown Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Brown & Brown Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 21.4 | 15.2 |
| P/B ratio | 1.8 | 1.8 |
| Return on equity (ROE) | 8.4% | 12.5% |
| Equity ratio | 41.8% | 9.2% |
| Debt-to-equity (D/E) | 0.63 | 0.90 |
| Dividend yield | 0.9% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| BRO | Brown & Brown Incthis page | |
| ERIE | Erie Indemnity Company | Low3.6 |
| RYAN | Ryan Specialty Group Holdings Inc | locked |
| AJG | Arthur J Gallagher & Co | Low3.6 |
| WTW | Willis Towers Watson PLC | locked |
| AON | Aon PLC | locked |
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