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BRO
Brown & Brown, Inc.
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is excellent at 21.0% per year
Earnings Expectations BRO has met or exceeded earnings expectations in most recent quarters (9/10)
Positive Reasonable Price-to-Earnings Ratio
Positive Strong Price-to-Sales Ratio
Negative High Price-to-Book Ratio
Negative Elevated EV/EBITDA Ratio

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Brown & Brown demonstrates strong business quality through diversified revenue streams and impressive financial metrics. However, the company relies on acquisitions for growth, which could be a risk. Future prospects appear favorable due to a stable economic outlook and a strong pipeline for M&A, but moderating pricing and external events like wildfires could pose challenges.

Analysis Date: January 28, 2025
Last Updated: May 29, 2025

+573%
+21.0% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Insurance - Brokers
Sector Financial Services
Market Cap $28.82B
CEO Mr. J. Powell Brown C.P.C.U.

Brown & Brown, Inc. is an insurance company that helps people and businesses find the right insurance coverage. They offer different types of insurance, like home, car, and business insurance, to protect against accidents and losses. The company also provides special services, like helping people manage their claims and offering insurance for unique needs, such as weddings or medical facilities. Founded in 1939 and based in Daytona Beach, Florida, they work with various clients, including individuals, companies, and government organizations across several countries.

Streams of revenue

Retail: 79%
Wholesale Brokerage: 21%

Geographic Distribution

UNITED STATES: 87%
UNITED KINGDOM: 11%
CANADA: 1%
IRELAND: 1%

Core Products

💼
Employee Benefits Benefits solutions
🛡️
Insurance Brokerage Risk management
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Wholesale Brokerage Wholesale insurance
📋
Program Administration Program management

Business Type

B2B Business to Business

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.

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ROE: 16.03231318937393

ROA: None

Gross Profit Margin: 45.78338156262918

Net Profit Margin: 21.331128565522945

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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About Profitability Metrics

Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

9 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

1.29
Estimated
1.29
Actual
0.00%
Difference

Revenue

$1409658566
Estimated
$1385000000
Actual
-1.75%
Difference
💪

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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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BRO Stock Analysis: Brown & Brown, Inc. Investment Guide

BRO (Brown & Brown, Inc.) is a Financial Services company listed on New York Stock Exchange. The stock has generated 21.0% annual returns with an overall investment score of None/100.

Brown & Brown demonstrates strong business quality through diversified revenue streams and impressive financial metrics. However, the company relies on acquisitions for growth, which could be a risk. Future prospects appear favorable due to a stable economic outlook and a strong pipeline for M&A, but moderating pricing and external events like wildfires could pose challenges.

BRO Key Financial Metrics

BRO financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. and profitability score of 2.5/100 with financial health rated 7.45/100.

About Brown & Brown, Inc.

Brown & Brown, Inc. is an insurance company that helps people and businesses find the right insurance coverage. They offer different types of insurance, like home, car, and business insurance, to protect against accidents and losses. The company also provides special services, like helping people manage their claims and offering insurance for unique needs, such as weddings or medical facilities. Founded in 1939 and based in Daytona Beach, Florida, they work with various clients, including individuals, companies, and government organizations across several countries.

BRO Investment Recommendation

Based on our comprehensive analysis of BRO, investors should consider the company's strong performance track record, earnings consistency (9/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

BRO operates in the Insurance - Brokers industry within the Financial Services sector. This analysis compares Brown & Brown, Inc. performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about BRO Stock

Is BRO a good investment?

BRO (Brown & Brown, Inc.) has generated 21.0% annual returns with an overall score of None/100. Brown & Brown demonstrates strong business quality through diversified revenue streams and impressive financial metrics. However, the company relies on acquisitions for growth, which could be a risk. Future prospects … Investors should consider their risk tolerance and investment goals when evaluating BRO.

What is BRO P/E ratio and valuation?

BRO valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Brokers industry and Financial Services sector benchmarks.

Should I buy BRO stock now?

The decision to buy BRO stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 2.5/100, financial health score of 7.45/100, and detailed performance metrics to help inform your investment decision.

What are BRO financial health indicators?

BRO financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 7.45/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does BRO compare to competitors?

BRO performance is benchmarked against Insurance - Brokers industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Brown & Brown, Inc.'s market position.

What are BRO historical returns?

BRO has generated 21.0% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

BRO Key Investment Metrics Summary

  • Annual Return: 21.0%
  • Profitability Score: 2.5/100
  • Financial Health Score: 7.45/100
  • Growth Score: -12.388381366559202/100
  • Earnings Beat Rate: 9/10 quarters
  • Sector: Financial Services
  • Industry: Insurance - Brokers
  • Exchange: New York Stock Exchange
  • Market Cap: 28824566400

BRO Investment Thesis

Brown & Brown, Inc. (BRO) represents an excellent investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Reasonable Price-to-Earnings Ratio
  • Strong Price-to-Sales Ratio
  • Healthy Profit Margins
  • Strong Return on Equity
  • Strong Interest Coverage
  • Manageable Debt Levels
  • Strong Revenue Growth
  • Diverse Business Segments
  • Strong EBITDAC Margins
  • Stable Economic Outlook
  • Strong Pipeline for M&A
  • Focus on Employee Benefits Consulting

Investment Risks

  • High Price-to-Book Ratio
  • Elevated EV/EBITDA Ratio
  • Moderate Free Cash Flow Yield
  • Low Cash Ratio
  • Dependence on Acquisitions
  • Moderating Insurance Pricing
  • Potential Challenges from California Wildfires
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