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Upturn AI SWOT - About
BRO 
Brown & Brown Inc (BRO)
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Upturn Advisory Summary
09/11/2025: BRO (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $109.92
1 Year Target Price $109.92
| 3 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.96% | 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 09/11/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.08B USD | Price to earnings Ratio 27.16 | 1Y Target Price 109.92 |
Price to earnings Ratio 27.16 | 1Y Target Price 109.92 | ||
Volume (30-day avg) 12 | Beta 0.81 | 52 Weeks Range 90.24 - 125.31 | Updated Date 09/11/2025 |
52 Weeks Range 90.24 - 125.31 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 0.63% | Basic EPS (TTM) 3.47 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.3% | Operating Margin (TTM) 29.94% |
Management Effectiveness
Return on Assets (TTM) 4.4% | Return on Equity (TTM) 11.53% |
Valuation
Trailing PE 27.16 | Forward PE 19.34 | Enterprise Value 29922386602 | Price to Sales(TTM) 6.27 |
Enterprise Value 29922386602 | Price to Sales(TTM) 6.27 | ||
Enterprise Value to Revenue 6.05 | Enterprise Value to EBITDA 16.92 | Shares Outstanding 329843008 | Shares Floating 282483981 |
Shares Outstanding 329843008 | Shares Floating 282483981 | ||
Percent Insiders 13.49 | Percent Institutions 82.79 |
Upturn AI SWOT
Brown & Brown Inc
Company Overview
History and Background
Brown & Brown, Inc. was founded in 1939 by J. Creighton Brown in Daytona Beach, Florida. It has grown through organic expansion and strategic acquisitions to become a leading insurance brokerage firm.
Core Business Areas
- Retail: Provides a broad range of insurance products and services to commercial, public entity, and individual customers.
- National Programs: Develops and administers specialized insurance programs for specific industries, professions, and market niches.
- Wholesale Brokerage: Offers specialized insurance products and services through independent agents and brokers.
- Services: Provides claims adjusting, risk management, and other insurance-related services.
Leadership and Structure
Powell Brown serves as the President and CEO. The company operates with a decentralized structure, empowering regional leadership and local agency teams.
Top Products and Market Share
Key Offerings
- Commercial Insurance: Provides property, casualty, and other commercial insurance solutions. Market share is fragmented among many large players. Competitors: Marsh & McLennan (MMC), Aon (AON), Willis Towers Watson (WTW).
- Employee Benefits: Offers health, life, and disability insurance plans for employers. Competitors: Gallagher (AJG), USI Insurance Services.
- Personal Lines Insurance: Provides home, auto, and other personal insurance products. Competitors: State Farm, Progressive (PGR).
Market Dynamics
Industry Overview
The insurance brokerage industry is characterized by consolidation, technological advancements, and increasing regulatory scrutiny. Demand for insurance services is driven by economic growth, risk awareness, and demographic trends.
Positioning
Brown & Brown is a top-tier insurance brokerage firm known for its decentralized structure, strong client relationships, and acquisition strategy. Its competitive advantage lies in its local presence and specialized expertise.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated at hundreds of billions of dollars. Brown & Brown captures a portion of this TAM through its diverse product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Decentralized operating model
- Strong client relationships
- Proven acquisition strategy
- Diversified revenue streams
- Experienced management team
Weaknesses
- Dependence on acquisitions for growth
- Integration risks associated with acquisitions
- Exposure to economic cycles
- Highly competitive environment
- Potential for errors and omissions claims
Opportunities
- Further consolidation in the insurance brokerage industry
- Expansion into new geographic markets
- Development of innovative insurance products and services
- Leveraging technology to improve efficiency
- Increased demand for risk management services
Threats
- Economic downturns
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Changes in insurance pricing
Competitors and Market Share
Key Competitors
- Marsh & McLennan (MMC)
- Aon (AON)
- Arthur J. Gallagher & Co. (AJG)
- Willis Towers Watson (WTW)
Competitive Landscape
Brown & Brown competes with larger global brokers and smaller regional firms. Its decentralized model and strong client relationships provide a competitive advantage.
Major Acquisitions
Westland Ins Services
- Year: 2023
- Acquisition Price (USD millions): 430
- Strategic Rationale: Expansion of services across the US, while boosting revenue and client-facing experience.
Becker Professional Education
- Year: 2023
- Acquisition Price (USD millions): 69.6
- Strategic Rationale: Broaden market presence and add revenue while enhancing product reach across different regions.
Growth Trajectory and Initiatives
Historical Growth: Brown & Brown has grown steadily through organic expansion and acquisitions.
Future Projections: Future growth is projected to continue through acquisitions and organic expansion. Analyst estimates vary.
Recent Initiatives: Recent strategic initiatives include acquisitions of smaller brokerages, investments in technology, and expansion into new markets.
Summary
Brown & Brown is a large and growing insurance brokerage benefiting from a decentralized model and acquisition strategy. While acquisitions pose integration risks and the company faces economic headwinds and stiff competition, it has shown consistent growth and profitability. Strategic initiatives aimed at expansion should sustain forward progress and benefit investors. Overall, the company remains a solid player in the insurance brokerage market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change. Investors should conduct their own due diligence 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 17403 | Website https://www.bbrown.com |
Full time employees 17403 | 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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