BROWN & BROWN INC (BRO) Stock Fundamental Analysis

NYSE:BRO • US1152361010

69.56 USD
-0.03 (-0.04%)
Last: Feb 23, 2026, 03:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to BRO. BRO was compared to 150 industry peers in the Insurance industry. BRO has only an average score on both its financial health and profitability. While showing a medium growth rate, BRO is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • BRO had positive earnings in the past year.
  • BRO had a positive operating cash flow in the past year.
  • Each year in the past 5 years BRO has been profitable.
  • Each year in the past 5 years BRO had a positive operating cash flow.
BRO Yearly Net Income VS EBIT VS OCF VS FCFBRO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • With a decent Return On Assets value of 3.47%, BRO is doing good in the industry, outperforming 70.00% of the companies in the same industry.
  • The Return On Equity of BRO (8.30%) is worse than 64.00% of its industry peers.
  • BRO has a better Return On Invested Capital (6.04%) than 85.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for BRO is significantly below the industry average of 15.13%.
Industry RankSector Rank
ROA 3.47%
ROE 8.3%
ROIC 6.04%
ROA(3y)4.94%
ROA(5y)5.08%
ROE(3y)12.99%
ROE(5y)13.39%
ROIC(3y)8.52%
ROIC(5y)8.58%
BRO Yearly ROA, ROE, ROICBRO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BRO has a Profit Margin of 17.64%. This is amongst the best in the industry. BRO outperforms 85.33% of its industry peers.
  • In the last couple of years the Profit Margin of BRO has remained more or less at the same level.
  • BRO has a Operating Margin of 28.72%. This is amongst the best in the industry. BRO outperforms 90.00% of its industry peers.
  • In the last couple of years the Operating Margin of BRO has grown nicely.
Industry RankSector Rank
OM 28.72%
PM (TTM) 17.64%
GM N/A
OM growth 3Y1.76%
OM growth 5Y2.11%
PM growth 3Y-1.42%
PM growth 5Y-0.15%
GM growth 3YN/A
GM growth 5YN/A
BRO Yearly Profit, Operating, Gross MarginsBRO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), BRO is creating some value.
  • Compared to 1 year ago, BRO has more shares outstanding
  • BRO has more shares outstanding than it did 5 years ago.
  • BRO has a worse debt/assets ratio than last year.
BRO Yearly Shares OutstandingBRO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
BRO Yearly Total Debt VS Total AssetsBRO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • BRO has an Altman-Z score of 1.53. This is a bad value and indicates that BRO is not financially healthy and even has some risk of bankruptcy.
  • BRO's Altman-Z score of 1.53 is amongst the best of the industry. BRO outperforms 88.00% of its industry peers.
  • The Debt to FCF ratio of BRO is 5.51, which is a neutral value as it means it would take BRO, 5.51 years of fcf income to pay off all of its debts.
  • BRO has a worse Debt to FCF ratio (5.51) than 64.00% of its industry peers.
  • A Debt/Equity ratio of 0.55 indicates that BRO is somewhat dependend on debt financing.
  • The Debt to Equity ratio of BRO (0.55) is worse than 74.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.51
Altman-Z 1.53
ROIC/WACC0.78
WACC7.76%
BRO Yearly LT Debt VS Equity VS FCFBRO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.04 indicates that BRO should not have too much problems paying its short term obligations.
  • The Current ratio of BRO (1.04) is better than 80.67% of its industry peers.
  • A Quick Ratio of 1.04 indicates that BRO should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.04, BRO belongs to the best of the industry, outperforming 80.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
BRO Yearly Current Assets VS Current LiabilitesBRO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • BRO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.98%, which is quite good.
  • Measured over the past years, BRO shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.54% on average per year.
  • Looking at the last year, BRO shows a very strong growth in Revenue. The Revenue has grown by 22.83%.
  • Measured over the past years, BRO shows a quite strong growth in Revenue. The Revenue has been growing by 17.70% on average per year.
EPS 1Y (TTM)11.98%
EPS 3Y23.37%
EPS 5Y20.54%
EPS Q2Q%8.14%
Revenue 1Y (TTM)22.83%
Revenue growth 3Y18.21%
Revenue growth 5Y17.7%
Sales Q2Q%35.73%

3.2 Future

  • BRO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
  • The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y6.07%
EPS Next 2Y8.2%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue Next Year20.85%
Revenue Next 2Y13.64%
Revenue Next 3Y10.43%
Revenue Next 5Y3.68%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BRO Yearly Revenue VS EstimatesBRO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
BRO Yearly EPS VS EstimatesBRO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4 5

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2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.18, which indicates a correct valuation of BRO.
  • 62.00% of the companies in the same industry are cheaper than BRO, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BRO to the average of the S&P500 Index (26.99), we can say BRO is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 15.25, BRO is valued correctly.
  • BRO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BRO is more expensive than 61.33% of the companies in the same industry.
  • BRO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.18
Fwd PE 15.25
BRO Price Earnings VS Forward Price EarningsBRO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • BRO's Enterprise Value to EBITDA is on the same level as the industry average.
  • 60.67% of the companies in the same industry are cheaper than BRO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.91
EV/EBITDA 14.51
BRO Per share dataBRO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BRO does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of BRO may justify a higher PE ratio.
PEG (NY)2.66
PEG (5Y)0.79
EPS Next 2Y8.2%
EPS Next 3Y8.1%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BRO has a yearly dividend return of 0.95%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.58, BRO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, BRO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.95%

5.2 History

  • On average, the dividend of BRO grows each year by 11.74%, which is quite nice.
  • BRO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BRO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.74%
Div Incr Years31
Div Non Decr Years34
BRO Yearly Dividends per shareBRO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • BRO pays out 18.54% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of BRO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.54%
EPS Next 2Y8.2%
EPS Next 3Y8.1%
BRO Yearly Income VS Free CF VS DividendBRO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
BRO Dividend Payout.BRO Dividend Payout, showing the Payout Ratio.BRO Dividend Payout.PayoutRetained Earnings

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BROWN & BROWN INC

NYSE:BRO (2/23/2026, 3:06:02 PM)

69.56

-0.03 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners80.99%
Inst Owner Change2.52%
Ins Owners13.08%
Ins Owner Change-0.17%
Market Cap23.37B
Revenue(TTM)5.90B
Net Income(TTM)1.04B
Analysts66.09
Price Target86.59 (24.48%)
Short Float %5.4%
Short Ratio5.05
Dividend
Industry RankSector Rank
Dividend Yield 0.95%
Yearly Dividend0.62
Dividend Growth(5Y)11.74%
DP18.54%
Div Incr Years31
Div Non Decr Years34
Ex-Date02-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.52%
Min EPS beat(2)2.26%
Max EPS beat(2)10.78%
EPS beat(4)3
Avg EPS beat(4)3.5%
Min EPS beat(4)-2.08%
Max EPS beat(4)10.78%
EPS beat(8)7
Avg EPS beat(8)5.02%
EPS beat(12)11
Avg EPS beat(12)6.41%
EPS beat(16)14
Avg EPS beat(16)4.52%
Revenue beat(2)1
Avg Revenue beat(2)0.27%
Min Revenue beat(2)-3.54%
Max Revenue beat(2)4.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-3.54%
Max Revenue beat(4)4.08%
Revenue beat(8)5
Avg Revenue beat(8)1.07%
Revenue beat(12)9
Avg Revenue beat(12)1.79%
Revenue beat(16)11
Avg Revenue beat(16)1.38%
PT rev (1m)-8.09%
PT rev (3m)-12.49%
EPS NQ rev (1m)-3.94%
EPS NQ rev (3m)-5.65%
EPS NY rev (1m)-2.44%
EPS NY rev (3m)-4.44%
Revenue NQ rev (1m)-2.02%
Revenue NQ rev (3m)-1.47%
Revenue NY rev (1m)-1.73%
Revenue NY rev (3m)-1.87%
Valuation
Industry RankSector Rank
PE 16.18
Fwd PE 15.25
P/S 3.96
P/FCF 16.91
P/OCF 16.12
P/B 1.86
P/tB N/A
EV/EBITDA 14.51
EPS(TTM)4.3
EY6.18%
EPS(NY)4.56
Fwd EY6.56%
FCF(TTM)4.11
FCFY5.91%
OCF(TTM)4.32
OCFY6.2%
SpS17.57
BVpS37.34
TBVpS-22.16
PEG (NY)2.66
PEG (5Y)0.79
Graham Number60.11
Profitability
Industry RankSector Rank
ROA 3.47%
ROE 8.3%
ROCE 7.81%
ROIC 6.04%
ROICexc 6.36%
ROICexgc 209.81%
OM 28.72%
PM (TTM) 17.64%
GM N/A
FCFM 23.42%
ROA(3y)4.94%
ROA(5y)5.08%
ROE(3y)12.99%
ROE(5y)13.39%
ROIC(3y)8.52%
ROIC(5y)8.58%
ROICexc(3y)9.08%
ROICexc(5y)9.31%
ROICexgc(3y)239.08%
ROICexgc(5y)209.68%
ROCE(3y)11.01%
ROCE(5y)11.09%
ROICexgc growth 3Y7.45%
ROICexgc growth 5Y5.82%
ROICexc growth 3Y-9.73%
ROICexc growth 5Y-6.83%
OM growth 3Y1.76%
OM growth 5Y2.11%
PM growth 3Y-1.42%
PM growth 5Y-0.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.51
Debt/EBITDA 3.34
Cap/Depr 18.53%
Cap/Sales 1.15%
Interest Coverage 5.97
Cash Conversion 70.32%
Profit Quality 132.76%
Current Ratio 1.04
Quick Ratio 1.04
Altman-Z 1.53
F-Score3
WACC7.76%
ROIC/WACC0.78
Cap/Depr(3y)29.64%
Cap/Depr(5y)29.33%
Cap/Sales(3y)1.49%
Cap/Sales(5y)1.48%
Profit Quality(3y)117.85%
Profit Quality(5y)122.47%
High Growth Momentum
Growth
EPS 1Y (TTM)11.98%
EPS 3Y23.37%
EPS 5Y20.54%
EPS Q2Q%8.14%
EPS Next Y6.07%
EPS Next 2Y8.2%
EPS Next 3Y8.1%
EPS Next 5YN/A
Revenue 1Y (TTM)22.83%
Revenue growth 3Y18.21%
Revenue growth 5Y17.7%
Sales Q2Q%35.73%
Revenue Next Year20.85%
Revenue Next 2Y13.64%
Revenue Next 3Y10.43%
Revenue Next 5Y3.68%
EBIT growth 1Y15.62%
EBIT growth 3Y20.29%
EBIT growth 5Y20.18%
EBIT Next Year50.35%
EBIT Next 3Y10.71%
EBIT Next 5Y9.9%
FCF growth 1Y26.56%
FCF growth 3Y18.58%
FCF growth 5Y16.25%
OCF growth 1Y23.51%
OCF growth 3Y18.05%
OCF growth 5Y14.98%

BROWN & BROWN INC / BRO FAQ

Can you provide the ChartMill fundamental rating for BROWN & BROWN INC?

ChartMill assigns a fundamental rating of 5 / 10 to BRO.


What is the valuation status for BRO stock?

ChartMill assigns a valuation rating of 2 / 10 to BROWN & BROWN INC (BRO). This can be considered as Overvalued.


What is the profitability of BRO stock?

BROWN & BROWN INC (BRO) has a profitability rating of 6 / 10.


What is the valuation of BROWN & BROWN INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BROWN & BROWN INC (BRO) is 16.18 and the Price/Book (PB) ratio is 1.86.


How sustainable is the dividend of BROWN & BROWN INC (BRO) stock?

The dividend rating of BROWN & BROWN INC (BRO) is 5 / 10 and the dividend payout ratio is 18.54%.