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BRO 
Brown & Brown Inc (BRO)
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Upturn Advisory Summary
11/05/2025: BRO (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $97.08
1 Year Target Price $97.08
| 3 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.99% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.97B USD | Price to earnings Ratio 23.94 | 1Y Target Price 97.08 |
Price to earnings Ratio 23.94 | 1Y Target Price 97.08 | ||
Volume (30-day avg) 12 | Beta 0.82 | 52 Weeks Range 76.80 - 125.05 | Updated Date 11/4/2025 |
52 Weeks Range 76.80 - 125.05 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 0.77% | Basic EPS (TTM) 3.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 0.92 | Actual 1.05 |
Profitability
Profit Margin 18.69% | Operating Margin (TTM) 24.13% |
Management Effectiveness
Return on Assets (TTM) 3.94% | Return on Equity (TTM) 10.7% |
Valuation
Trailing PE 23.94 | Forward PE 19.19 | Enterprise Value 29661810781 | Price to Sales(TTM) 5.04 |
Enterprise Value 29661810781 | Price to Sales(TTM) 5.04 | ||
Enterprise Value to Revenue 5.99 | Enterprise Value to EBITDA 16.78 | Shares Outstanding 341420790 | Shares Floating 293410199 |
Shares Outstanding 341420790 | Shares Floating 293410199 | ||
Percent Insiders 13.04 | Percent Institutions 81.39 |
Upturn AI SWOT
Brown & Brown Inc
Company Overview
History and Background
Brown & Brown, Inc. was founded in 1939 in Daytona Beach, Florida, by J. Hyatt Brown and his father, Emmett Brown. Originally known as Brown & Brown Insurance, the company grew organically and through strategic acquisitions, becoming one of the largest independent insurance intermediaries in the United States.
Core Business Areas
- Retail: Provides a broad range of insurance products and services to commercial, public entity, and individual clients.
- National Programs: Develops and administers specialized insurance programs tailored to specific industries, professions, and market niches.
- Wholesale Brokerage: Offers access to specialized insurance markets and expertise for retail agents and brokers.
- Services: Offers risk management, claims administration, and other insurance-related services.
Leadership and Structure
Powell Brown is the current President and CEO. The company operates with a decentralized structure, empowering local offices while maintaining centralized oversight and support functions.
Top Products and Market Share
Key Offerings
- Commercial Insurance: Provides property, casualty, and other insurance products for businesses. Market share information not publicly available. Competitors: Marsh & McLennan, Aon, Willis Towers Watson.
- Employee Benefits: Offers health, life, and disability insurance plans for employees. Market share information not publicly available. Competitors: Gallagher, USI Insurance Services.
- Personal Insurance: Offers auto, home, and other personal insurance products to individuals and families. Market share information not publicly available. Competitors: State Farm, Progressive, Allstate.
Market Dynamics
Industry Overview
The insurance brokerage industry is characterized by increasing consolidation, technological advancements, and evolving regulatory requirements.
Positioning
Brown & Brown is a leading independent insurance intermediary known for its strong client relationships, decentralized structure, and expertise in niche markets. Competitive advantages include its extensive network, diversified product offerings, and experienced team.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated to be worth hundreds of billions of dollars. Brown & Brown is positioned to capture a significant portion of this TAM through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Decentralized structure
- Diversified product offerings
- Experienced management team
- Extensive network of offices
Weaknesses
- Integration risks associated with acquisitions
- Exposure to economic cycles
- Dependence on insurance carrier relationships
- Higher expenses in some areas
Opportunities
- Further acquisitions to expand market share
- Expansion into new geographic markets
- Development of new insurance products and services
- Leveraging technology to improve efficiency
- Growing demand for specialized insurance solutions
Threats
- Increased competition from larger brokers
- Economic downturns
- Changes in insurance regulations
- Cybersecurity risks
- Disruptive technologies
Competitors and Market Share
Key Competitors
- MMC
- AON
- WTW
- AJG
- HUBG
Competitive Landscape
Brown & Brown faces intense competition from larger global brokers and regional players. Its decentralized structure and focus on niche markets provide a competitive edge.
Major Acquisitions
Hull & Company
- Year: 2023
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded wholesale brokerage capabilities and geographic presence.
Special Risk Services, LLC
- Year: 2024
- Acquisition Price (USD millions): 120
- Strategic Rationale: Enhance and grow its expertise within professional liability for design professionals.
Growth Trajectory and Initiatives
Historical Growth: Demonstrated a strong track record of organic growth and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings driven by market expansion and acquisitions.
Recent Initiatives: Strategic acquisitions, investments in technology, and expansion into new markets.
Summary
Brown & Brown is a well-established insurance intermediary with a strong track record of growth. Its decentralized structure and focus on niche markets have contributed to its success. It needs to continue to integrate its acquisitions effectively, while its decentralized structure provides a competitive advantage, and monitor its competitive landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Publications
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Brown & Brown Inc
Exchange NYSE | Headquaters Daytona Beach, FL, United States | ||
IPO Launch date 1992-03-03 | CEO, President & Director Mr. J. Powell Brown C.P.C.U. | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 23000 | Website https://www.bbrown.com |
Full time employees 23000 | Website https://www.bbrown.com | ||
Brown & Brown, Inc. markets and sells insurance products and services in the United States, Canada, Ireland, the United Kingdom, and internationally. It operates through four segments: Retail, Programs, Wholesale Brokerage, and Services. 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. It serves commercial, public and quasi-public entities, professional, and individual customers. The Programs segment offers professional liability and related package insurance products for dentistry, legal, eyecare, 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. The Wholesale Brokerage segment markets and sells excess and surplus commercial and personal lines insurance through independent agents and brokers. The Services segment offers third-party claims administration and medical utilization management services in the workers' compensation and all-lines liability arenas, Medicare Set-aside, Social Security disability, Medicare benefits advocacy, and claims adjusting services. Brown & Brown, Inc. was founded in 1939 and is headquartered in Daytona Beach, Florida.
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