BRO
Brown & Brown
Financials · Insurance Brokers · US
✗ ETHICAL FAIL
MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics
How this company measures up on the fundamentals that matter
Market Cap
$19.1B
Total market value of the company
11.60
Based on estimated future earnings — lower means cheaper
Rev Growth
+35.7%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
11.9%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$73.80
+25% from current price — median analyst estimate
Recommendation
HOLD
Consensus view from 15 analysts covering this stock
About Brown & Brown
Brown & Brown, Inc. markets and sells insurance products and services in the United States, the United Kingdom, and internationally. It operates through Retail and Specialty Distribution segments. The Retail segment provides property and casualty, employee benefits insurance products, personal insurance products, specialties insurance products, risk management strategies, loss control survey and analysis, consultancy, and claims processing services. This segment also offers non-insurance services and products through automobile and recreational vehicle dealer services businesses. It serves commercial, public and quasi-public entities, professional, and individual customers. The Specialty Distribution segment comprises wholesale brokerage and specialty businesses. This segment offers professional liability and related package insurance products for dentistry, legal, eyecare, insurance, insurance, financial, physicians, real estate title professionals, as well as supplementary insurance products related to weddings, events, medical facilities, and cyber liabilities. This segment also provides public entity-related and specialty programs through a network of independent agents; and program management services for insurance carrier partners. In addition, the company's wholesale brokerage businesses underwrite and place excess and surplus commercial and personal lines insurance through independent agents and brokers. Its programs businesses operate under the Arrowhead Programs' name. Brown & Brown, Inc. was founded in 1939 and is headquartered in Daytona Beach, Florida.
https://www.bbrown.com
Country: United States Employees: 22,888 Industry: Insurance Brokers
Ethical Screening
Five compliance checks based on AAOIFI standards — all must pass for ethical clearance
Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
$122.00
What our model estimates this business is worth per share
51.8%
Deep discount to fair value — significant undervaluation
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
68.5th
Ranks in the top 32% of our 13,571 screened universe
Trading at $56 against a fair value of $122, a 54% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 79% of screened stocks.
Quantitative Intelligence
Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data
DISTRIBUTION
Smart money appears to be selling into strength — caution
-0.710
Returns do not compensate for the risk — negative edge
-0.0749
No positive edge detected — the data suggests staying out
-0.338
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-18.9%
Historical annualised return based on price data
-55.9%
Largest peak-to-trough decline — the worst it has been
BULL
Statistical model sees bullish momentum
Days in State
73
How long the current regime has persisted — longer means more stable
Market Data
Trading characteristics and market positioning
0.66
Less volatile than the market — more defensive
52W High
$113.84
48% below the year high
52W Low
$53.81
9% above the year low
Avg Volume
3,341,241
Average daily shares traded — higher means easier to buy and sell
6.4
Days it would take all short sellers to cover — higher means more crowded
Short % Float
7.1%
Moderate short interest
114.0%
Annual dividend as a percentage of the share price
$3.07
Earnings per share over the last 12 months
Financial Health
Balance sheet strength and cash generation — the foundation of long-term value
0.64
Moderate leverage — manageable
1.02
Adequate but worth monitoring
Quick Ratio
0.38
Like current ratio but excludes inventory — stricter test
Gross Margin
53.4%
Revenue left after cost of goods — higher means pricing power
Operating Margin
47.2%
Profit from core operations before interest and tax
$1.5B
Positive — the business generates more cash than it spends
Revenue (TTM)
$6.3B
Total revenue over the last 12 months
Net Income
$1.1B
Profitable — the bottom line is positive
Recent Insider Activity
SEC Form 4 filings — what company insiders are buying and selling
45
NEUTRAL
Mixed insider activity. 0 purchases and 0 sales in the last 90 days — no clear directional signal. Political selling noted.
| Date |
Insider |
Title |
Type |
Shares |
Value |
| 2026-05-06 |
MASOJADA BRONISLAW EDMUND |
Director |
|
2,434 |
— |
| 2026-05-06 |
SAVIO KATHLEEN A |
Director |
|
2,434 |
— |
| 2026-05-06 |
PATEL JAYMIN B |
Director |
|
2,434 |
— |
| 2026-05-06 |
KRUMP PAUL J |
Director |
|
2,434 |
— |
| 2026-05-06 |
JOHNSON JOIA M |
Director |
|
2,434 |
— |
| 2026-05-06 |
MAIN TIMOTHY R M |
Director |
|
2,434 |
— |
| 2026-05-06 |
HUNT JAMES S |
Director |
|
2,434 |
— |
| 2026-05-06 |
GELLERSTEDT LAWRENCE L III |
Director |
|
2,434 |
— |
| 2026-05-06 |
HOEPNER THEODORE J JR |
Director |
|
2,434 |
— |
| 2026-05-06 |
REILLY WENDELL S |
Director |
|
2,434 |
— |
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity
Congressional trading disclosures involving this instrument
| Date |
Politician |
Party |
Type |
Amount |
| 2026-04-15 |
Richard Blumenthal |
Democrat |
Purchase |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Sale |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Data sourced from public filings and market feeds. Not financial advice. Updated: