BROWN & BROWN INC (BRO) Stock Fundamental Analysis

NYSE:BRO • US1152361010

69.38 USD
+0.91 (+1.33%)
Last: Feb 17, 2026, 11:49 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall BRO gets a fundamental rating of 4 out of 10. We evaluated BRO against 149 industry peers in the Insurance industry. BRO has an average financial health and profitability rating. BRO does not seem to be growing, but still is valued expensively.


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.
  • Of the past 5 years BRO 4 years were profitable.
  • BRO had a positive operating cash flow in 4 of the past 5 years.
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 500M 1B

1.2 Ratios

  • The Return On Assets of BRO (3.36%) is better than 69.80% of its industry peers.
  • BRO's Return On Equity of 7.97% is on the low side compared to the rest of the industry. BRO is outperformed by 65.77% of its industry peers.
  • BRO's Return On Invested Capital of 5.43% is amongst the best of the industry. BRO outperforms 81.88% 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 15.11%.
Industry RankSector Rank
ROA 3.36%
ROE 7.97%
ROIC 5.43%
ROA(3y)5.35%
ROA(5y)5.42%
ROE(3y)14.98%
ROE(5y)14.21%
ROIC(3y)9.07%
ROIC(5y)8.85%
BRO Yearly ROA, ROE, ROICBRO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of BRO (18.02%) is better than 86.58% of its industry peers.
  • In the last couple of years the Profit Margin of BRO has grown nicely.
  • With an excellent Operating Margin value of 29.15%, BRO belongs to the best of the industry, outperforming 91.28% of the companies in the same industry.
  • In the last couple of years the Operating Margin of BRO has grown nicely.
Industry RankSector Rank
OM 29.15%
PM (TTM) 18.02%
GM N/A
OM growth 3Y2.76%
OM growth 5Y4.78%
PM growth 3Y2.76%
PM growth 5Y4.84%
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 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.
  • BRO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BRO Yearly Shares OutstandingBRO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
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 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 1.55, we must say that BRO is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of BRO (1.55) is better than 87.92% of its industry peers.
  • BRO has a debt to FCF ratio of 5.95. This is a neutral value as BRO would need 5.95 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 5.95, BRO is not doing good in the industry: 64.43% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.62 indicates that BRO is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.62, BRO is not doing good in the industry: 77.18% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 5.95
Altman-Z 1.55
ROIC/WACC0.68
WACC7.99%
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 2B 4B 6B

2.3 Liquidity

  • BRO has a Current Ratio of 1.18. This is a normal value and indicates that BRO is financially healthy and should not expect problems in meeting its short term obligations.
  • BRO has a better Current ratio (1.18) than 83.22% of its industry peers.
  • A Quick Ratio of 1.18 indicates that BRO should not have too much problems paying its short term obligations.
  • BRO has a Quick ratio of 1.18. This is amongst the best in the industry. BRO outperforms 83.22% of its industry peers.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
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 2B 4B 6B

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

3

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.
  • BRO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.54% yearly.
EPS 1Y (TTM)11.98%
EPS 3Y23.37%
EPS 5Y20.54%
EPS Q2Q%8.14%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%35.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.10% on average over the next years. This is quite good.
  • 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.
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.13, the valuation of BRO can be described as correct.
  • Based on the Price/Earnings ratio, BRO is valued a bit more expensive than the industry average as 60.40% of the companies are valued more cheaply.
  • BRO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 15.21, which indicates a correct valuation of BRO.
  • Based on the Price/Forward Earnings ratio, BRO is valued a bit more expensive than the industry average as 61.74% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, BRO is valued a bit cheaper.
Industry RankSector Rank
PE 16.13
Fwd PE 15.21
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BRO is on the same level as its industry peers.
  • 62.42% of the companies in the same industry are cheaper than BRO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.95
EV/EBITDA 15.65
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

  • With a yearly dividend of 0.95%, BRO is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.68, BRO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 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 10.65%, which is quite nice.
  • BRO has paid a dividend for at least 10 years, which is a reliable track record.
  • BRO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.65%
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 18.24% 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.
DP18.24%
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 200M 400M 600M 800M 1B
BRO Dividend Payout.BRO Dividend Payout, showing the Payout Ratio.BRO Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BROWN & BROWN INC

NYSE:BRO (2/17/2026, 11:49:09 AM)

69.38

+0.91 (+1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners80.99%
Inst Owner Change4.06%
Ins Owners13.08%
Ins Owner Change-0.17%
Market Cap23.31B
Revenue(TTM)N/A
Net Income(TTM)987.00M
Analysts66.09
Price Target86.59 (24.81%)
Short Float %5.4%
Short Ratio5.05
Dividend
Industry RankSector Rank
Dividend Yield 0.95%
Yearly Dividend0.54
Dividend Growth(5Y)10.65%
DP18.24%
Div Incr Years31
Div Non Decr Years34
Ex-Date02-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.9%
Min EPS beat(2)3.03%
Max EPS beat(2)10.78%
EPS beat(4)3
Avg EPS beat(4)5.69%
Min EPS beat(4)-2.08%
Max EPS beat(4)11.02%
EPS beat(8)7
Avg EPS beat(8)5.75%
EPS beat(12)11
Avg EPS beat(12)6.9%
EPS beat(16)14
Avg EPS beat(16)4.84%
Revenue beat(2)1
Avg Revenue beat(2)1.77%
Min Revenue beat(2)-0.54%
Max Revenue beat(2)4.08%
Revenue beat(4)2
Avg Revenue beat(4)1.76%
Min Revenue beat(4)-0.99%
Max Revenue beat(4)4.5%
Revenue beat(8)6
Avg Revenue beat(8)1.9%
Revenue beat(12)9
Avg Revenue beat(12)2.04%
Revenue beat(16)12
Avg Revenue beat(16)1.65%
PT rev (1m)-9.72%
PT rev (3m)-21.91%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)-0.96%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.36%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 16.13
Fwd PE 15.21
P/S 4.26
P/FCF 17.95
P/OCF 17.05
P/B 1.88
P/tB N/A
EV/EBITDA 15.65
EPS(TTM)4.3
EY6.2%
EPS(NY)4.56
Fwd EY6.57%
FCF(TTM)3.87
FCFY5.57%
OCF(TTM)4.07
OCFY5.86%
SpS16.3
BVpS36.86
TBVpS-22.19
PEG (NY)2.66
PEG (5Y)0.79
Graham Number59.72
Profitability
Industry RankSector Rank
ROA 3.36%
ROE 7.97%
ROCE 7.11%
ROIC 5.43%
ROICexc 5.74%
ROICexgc 85.29%
OM 29.15%
PM (TTM) 18.02%
GM N/A
FCFM 23.71%
ROA(3y)5.35%
ROA(5y)5.42%
ROE(3y)14.98%
ROE(5y)14.21%
ROIC(3y)9.07%
ROIC(5y)8.85%
ROICexc(3y)9.73%
ROICexc(5y)9.73%
ROICexgc(3y)222.79%
ROICexgc(5y)196.94%
ROCE(3y)11.87%
ROCE(5y)11.58%
ROICexgc growth 3Y-5.47%
ROICexgc growth 5Y1.96%
ROICexc growth 3Y0.09%
ROICexc growth 5Y3.73%
OM growth 3Y2.76%
OM growth 5Y4.78%
PM growth 3Y2.76%
PM growth 5Y4.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 5.95
Debt/EBITDA 4.05
Cap/Depr 23.37%
Cap/Sales 1.24%
Interest Coverage 250
Cash Conversion 72.4%
Profit Quality 131.61%
Current Ratio 1.18
Quick Ratio 1.18
Altman-Z 1.55
F-Score4
WACC7.99%
ROIC/WACC0.68
Cap/Depr(3y)32.9%
Cap/Depr(5y)36.11%
Cap/Sales(3y)1.6%
Cap/Sales(5y)1.8%
Profit Quality(3y)115.6%
Profit Quality(5y)123.95%
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%35.73%
Revenue Next Year20.85%
Revenue Next 2Y13.64%
Revenue Next 3Y10.43%
Revenue Next 5Y3.68%
EBIT growth 1Y14.4%
EBIT growth 3Y19.55%
EBIT growth 5Y20.47%
EBIT Next Year36.8%
EBIT Next 3Y22%
EBIT Next 5Y10.16%
FCF growth 1Y40.11%
FCF growth 3Y12.65%
FCF growth 5Y12.53%
OCF growth 1Y38.68%
OCF growth 3Y13.23%
OCF growth 5Y11.6%

BROWN & BROWN INC / BRO FAQ

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

ChartMill assigns a fundamental rating of 4 / 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 16.13 and the Price/Book (PB) ratio is 1.88.


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 18.24%.