Stock Analysis
Brown & Brown, Inc.BRO
P/E 19.27×· 5Y range 16.53–48.42×· bottom 4% of history
Sector: Financial Services · Industry: Insurance Agents, Brokers & Service
AnalystsHold26 analystsP/E 19.3× sits at the 4th percentile of its 5.089664613278576-year history.
Cash covers 16% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Growth85
- Quality70
Risks
- Financial Health45
Mixed business trading cheap — priced for skepticism.
Market context
+2.1% today· Z 0.9σ
Bull Case
- ✓Revenue CAGR 17.9% — durable top-line growth
- ✓P/E 19.3× at bottom 4% of 5-year history
What's happening with BRO
Profile
Strong valuation and growth; financial health lags behind.
How is each axis scored?
- Valuation85/100 · Strong
- P/E vs own history (4th pct)25/25
- FCF yield (6.2%)20/25
- P/S (3.4x)20/25
- EV/EBIT (13.1x)20/25
- Growth85/100 · Strong
- Revenue CAGR (17.9%)20/25
- Net income CAGR (15.8%)20/25
- EPS CAGR 5Y (11.2%)20/25
- Fwd implied growth (41.7%)25/25
- Profitability69/100 · Moderate
- ROIC (9.5%)12/25
- ROE (9.6%)12/25
- Net margin (17.7%)20/25
- Operating margin (32.6%)25/25
- Financial Health45/100 · Weak
- Altman Z (1.48)3/25
- Current ratio (1.04)12/25
- Interest coverage (5.6x)18/25
- Net cash / debt (D/A 19%)12/25
- Quality70/100 · Moderate
- Piotroski F (3/9)5/25
- Beneish M (-2.27)20/25
- FCF conversion (120%)25/25
- Margin stability (σ 5.1%)20/25
- Moat50/100 · Moderate
- ROIC >12% years (0/7 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 14.6%)25/25
Risk Flags
- ⚠Altman Z 1.5 — distress-zone balance sheet
About Brown & Brown, Inc.
Brown & Brown Inc is a diversified insurance agency, wholesale brokerage, insurance programs, and service. Show more
The company's business is divided into two reportable segments: (i) the Retail segment, and (ii) the Specialty Distribution segment. The Retail segment provides a broad range of insurance products and services to commercial, public and quasi-public entities, and to professional and individual customers, as well as non-insurance warranty services and products through automobile and recreational vehicle dealer services businesses. The Specialty Distribution segment consists of wholesale brokerage and specialty businesses. Its geographic area is U.S, U.K and Others.
Headquarters: DAYTONA BEACH, FL · Employees: 22,888 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
85AP/E (TTM)19.2xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 16.5x–48.4x · 4th pct
P/FCF15.8xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.2%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.5%–7.3% · 95th pct
P/S (TTM)3.42xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.9x–9.1x · 4th pct
EV/EBIT13.1xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 12.2x–39.9x · 2nd pct
EV/Sales4.4xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.84xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio3.37D
Grade D: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.96%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio18.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
69BROIC9.5%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE9.6%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA4.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin17.7%A
Grade A: HighNet Income / Revenue
Operating Margin32.6%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin21.3%A
Grade A: HighFCF / Revenue
True FCF Margin20.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
85ARevenue CAGR17.9%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR15.8%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)11.2%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth41.7%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+18.4%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income7.5%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.3%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
45D+Altman Z-Score1.48D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.04xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.02xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage5.6xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment4.0yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT2.6xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.55xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.16xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
70B+Piotroski F-Score3/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-2.27A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion120.0%A
Grade A: StrongFCF / Net Income
Margin Stability5.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.1%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.23xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hunt James S Filed | Hunt James S | Gift | -5000 | |
Hunt James S Filed | Hunt James S | Gift | +5.0K | |
JOHNSON JOIA M Filed | JOHNSON JOIA M | BuyOpen market buy | +860 | |
Savio Kathleen A. Filed | Savio Kathleen A. | Grant / award | +2.4K | |
Masojada Bronislaw Edmund Filed | Masojada Bronislaw Edmund | Grant / award | +2.4K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hunt James S Filed | Hunt James S | Grant / award | +2.4K | |
Main Timothy R.M. Filed | Main Timothy R.M. | Grant / award | +2.4K | |
Reilly Wendell Filed | Reilly Wendell | Grant / award | +2.4K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years0/7 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor14.6%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$3.60
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.78
Cash & short-term investments per share (Finnhub)
Book Value / Share$38.13
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$6.89B
Total debt obligations (short + long term)
Cash & Equiv.$1.08B
Cash and short-term investments
Net Debt$5.82B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$12.57B
Shareholders' equity (book value)
Asset / Liability1.72xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$23.19B
Current Market Capitalization
Beta0.56B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Brown & Brown, Inc. (BRO)
BRO is up 2.09% at the last close. Brown & Brown, Inc. meets only 3 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 1.48 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.27 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 18% annually, with net income growing about 16% per year — a strong growth profile.
- Brown & Brown, Inc. converts about 21% of revenue into free cash flow — strong cash generation.
- Takes ~4.0 years to repay net debt from free cash flow.
- At a valuation score of 85/100, BRO trades near the cheapest end of its own historical range (P/E 19.2).
See how BRO ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all BRO moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 67.73 | +4.52% | 2.75 |
| Oct 15 | After-hours | 67.98 | +4.91% | 2.97 |
| Oct 8 | Regular | 63.62 | +3.08% | 2.10 |
| Oct 8 | After-hours | 63.75 | +3.29% | 2.23 |
Frequently Asked Questions about BRO
What is the current Brown & Brown, Inc. (BRO) stock price?
BRO is trading at $69.40 at the last market close, up 2.09% on the session. PreMarketPrice tracks BRO pre-market, intraday and after-hours prices.
Is BRO stock a buy right now?
PreMarketPrice's quantitative model rates Brown & Brown, Inc.'s financial health at 45/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BRO stock overvalued?
Brown & Brown, Inc. trades at a trailing P/E of 19.2 and our valuation score rates it 85/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Brown & Brown, Inc. report earnings?
No confirmed earnings date is currently scheduled for BRO. The Earnings section lists recent reports and updates as dates are announced.
What sector does Brown & Brown, Inc. operate in?
Brown & Brown, Inc. operates in the Financial Services sector, within the Insurance Agents, Brokers & Service industry. The Related Stocks section lists sector peers for comparison.
What does Brown & Brown, Inc. do?
Brown & Brown Inc is a diversified insurance agency, wholesale brokerage, insurance programs, and service.
About Brown & Brown, Inc. (BRO) Stock
Brown & Brown, Inc. (BRO) is a US-listed stock operating in the Financial Services sector, specifically the Insurance Agents, Brokers & Service industry. As of the latest update, Brown & Brown, Inc. is trading at $69.40, up 2.09% on the day with a market capitalization of $23.2 billion. The financial health score for BRO is 45/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BRO stock.
BRO Stock Analysis & Key Metrics
On PreMarketPrice, you can track Brown & Brown, Inc. (BRO) across multiple dimensions:
- Pre-market price & movement: Real-time BRO stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BRO with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Brown & Brown, Inc. across multiple reporting periods.
- Financial health score: A composite score of 45/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BRO.
- Sector peers: Compare BRO against 6 other financial services stocks on key financial metrics.
Is BRO a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Brown & Brown, Inc. (BRO) as an investment. The financial health score of 45/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Brown & Brown, Inc. (BRO) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.