BRO Brown & Brown, Inc. - Fundamental Analysis
NEUTRAL
Sign in to save
Save this symbol to a watchlist or track a position.
BRO Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance Brokers
Current Price
Live
$79.18
Analyst Target
$90.0
+13.7%
Upside
52W High
$125.68
52W Low
$76.17
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$27.03B
P/E
23.78
ROE
10.7%
Profit margin
18.7%
Debt/Equity
0.65
Dividend yield
0.8%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
75%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a mixed health profile with a weak Piotroski F-Score of 4/9, indicating borderline financial stability, and no available Altman Z-Score to assess bankruptcy risk. Despite strong revenue growth of 34.20% and solid profitability metrics like a 27.36% operating margin, earnings have declined YoY by -16.10%, creating a divergence between top-line and bottom-line performance. The stock trades above its Graham Number of $52.48 at $79.18, reflecting a premium valuation supported by growth expectations and sector outperformance in revenue. Analysts concur with a 'hold' recommendation, while insider sentiment is neutral and technical indicators suggest bearish momentum.
Key Strengths
Strong revenue growth of 34.20% YoY, outpacing sector average of 33.33%
High profitability with 27.36% operating margin and 18.69% net margin
Conservative debt levels with a Debt/Equity ratio of 0.65, below sector average of 1.58
Consistent history of beating earnings estimates, with 22 out of 25 quarters positive surprises
Low payout ratio of 18.18% provides dividend sustainability and reinvestment flexibility
Key Risks
Weak Piotroski F-Score of 4/9 suggests suboptimal financial health and potential operational inefficiencies
Earnings declining YoY by -16.10% despite strong revenue growth, indicating margin pressure
Technical trend score of 0/100 signals strong bearish momentum near 52-week lows
Lack of Altman Z-Score prevents comprehensive solvency assessment
Current price of $79.18 is 51% above Graham Number ($52.48), implying overvaluation on defensive criteria
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
-13.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
52
Moderate
45
52
60
48
55
AI Verdict
Neutral with upside potential if earnings stabilize
Key drivers: Revenue growth strength, Valuation premium to Graham Number, Weak Piotroski score, Bearish technicals, Stable dividend policy
Confidence
78%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 17.11 below current P/E of 23.78, suggesting earnings recovery priced in
- P/B of 2.15 and P/S of 5.05 in line with high-quality financial services firms
Watchpoints
- Current P/E of 23.78 above sector average of 31.69 but on lower earnings growth trajectory
- Stock trades at a 51% premium to Graham Number of $52.48
Future
52/100
Ref Growth rates
Positives
- Revenue growth of 34.20% YoY indicates strong market demand and acquisition success
- Forward P/E implies expectation of earnings rebound
Watchpoints
- Earnings declining YoY by -16.10% and Q/Q by -3.00%
- PEG Ratio unavailable limits growth-adjusted valuation insight
Past
60/100
Ref Historical trends
Positives
- 22 out of 25 quarters beat EPS estimates, demonstrating reliable execution
- Long-term price appreciation of +71.6% over 5 years
Watchpoints
- 1-year return of -24.3% underperforms peers and market
- Recent price trend shows sustained weakness with -23.1% over 6 months
Health
48/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.65 indicates conservative capital structure
- Operating cash flow likely stable given consistent earnings
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Quick Ratio of 0.47 suggests potential liquidity constraints
Dividend
55/100
Ref Yield, Payout
Positives
- Low payout ratio of 18.18% ensures dividend safety
- Dividend Strength score of 25/100 is low but not alarming given growth reinvestment
Watchpoints
- Dividend yield of 0.80% is below average income stock
- No 5-year yield average available, limiting trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$79.18
Analyst Target
$90.0
Upside/Downside
+13.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BRO and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BRO
Brown & Brown, Inc.
Primary
|
+71.6% | +37.5% | -24.3% | -23.1% | -2.0% | -1.0% |
|
BAP
Credicorp Ltd.
Peer
|
+143.6% | +167.7% | +99.6% | +46.0% | +19.0% | +7.0% |
|
BCH
Banco de Chile
Peer
|
+195.7% | +165.5% | +92.4% | +56.3% | +13.2% | +7.7% |
|
ACGL
Arch Capital Group Ltd.
Peer
|
+158.1% | +46.0% | +3.4% | +1.3% | -5.2% | -3.9% |
|
BSAC
Banco Santander-Chile
Peer
|
+126.8% | +172.0% | +92.5% | +54.5% | +15.5% | +8.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
23.78
Forward P/E
17.11
PEG Ratio
N/A
P/B Ratio
2.15
P/S Ratio
5.05
EV/Revenue
6.34
EV/EBITDA
18.27
Market Cap
$27.03B
Profitability
Profit margins and return metrics
Profit Margin
18.69%
Operating Margin
27.36%
Gross Margin
49.55%
ROE
10.7%
ROA
4.17%
Growth
Revenue and earnings growth rates
Revenue Growth
+34.2%
Earnings Growth
-16.1%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-3.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.65
Moderate
Current Ratio
1.18
Good
Quick Ratio
0.47
Poor
Cash/Share
$3.48
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-26
$N/A
2025-10-27
$1.05
+12.9% surprise
2025-07-28
$1.03
+4.5% surprise
2025-04-28
$1.29
-0.5% surprise
Financial Services Sector Comparison
Comparing BRO against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
23.78
This Stock
vs
30.41
Sector Avg
-21.8%
(Discount)
Return on Equity (ROE)
10.7%
This Stock
vs
-7.57%
Sector Avg
-241.3%
(Below Avg)
Profit Margin
18.69%
This Stock
vs
82.83%
Sector Avg
-77.4%
(Weaker)
Debt to Equity
0.65
This Stock
vs
1.5
Sector Avg
-56.8%
(Less Debt)
Revenue Growth
34.2%
This Stock
vs
28.13%
Sector Avg
+21.6%
(Fast Growth)
Current Ratio
1.18
This Stock
vs
3.82
Sector Avg
-69.1%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BRO
Brown & Brown, Inc.
|
NEUTRAL | $27.03B | 23.78 | 10.7% | 18.7% | $79.18 | |
|
BAP
Credicorp Ltd.
|
NEUTRAL | $27.33B | 14.35 | 18.5% | 31.6% | $344.33 | |
|
BCH
Banco de Chile
|
BEARISH | $21.82B | 15.0 | 20.9% | 45.1% | $43.2 | |
|
ACGL
Arch Capital Group Ltd.
|
NEUTRAL | $33.89B | 8.06 | 19.5% | 22.1% | $93.47 | |
|
BSAC
Banco Santander-Chile
|
NEUTRAL | $17.04B | 14.19 | 23.2% | 45.7% | $36.18 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-31 | BROWN P BARRETT | Officer | Gift | 127,034 | - |
| 2025-12-19 | WATTS R ANDREW | Chief Financial Officer | Gift | 3,592 | - |
| 2025-12-17 | BOYD STEPHEN M. | Officer | Gift | 1,500 | - |
| 2025-12-15 | BROWN J. HYATT | Chairman of the Board | Gift | 1,422 | - |
| 2025-08-08 | KRUMP PAUL J | Director | Purchase | 2,678 | $249,884 |
| 2025-08-06 | MASOJADA BRONISLAW EDMUND | Director | Purchase | 1,000 | $91,440 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
14 analysts
Truist Securities
2026-01-15
Buy
Buy
Wells Fargo
2026-01-13
Equal-Weight
Equal-Weight
Barclays
2026-01-08
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2026-01-06
Underperform
Underperform
BMO Capital
2025-12-23
Outperform
Market Perform
JP Morgan
2025-12-18
Neutral
Mizuho
2025-12-16
Neutral
Barclays
2025-11-20
Equal-Weight
Equal-Weight
Morgan Stanley
2025-11-17
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2025-11-04
Underperform
Underperform
Past News Coverage
Recent headlines mentioning BRO from our newsroom.
Newest → oldest
No matching news yet.