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Brown and Brown

NYSE: BRO

Stock price

70.24 USD

(+11.3%) 5 years

insuranceInsurance - Brokers

Financial Performance

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5Y price score: 17

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 303.6%

DATE RANGE:

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  • Free cash flow per share

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53.8

52-week range

82.5

70.24

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Required return / cost of capital
%
FCFF terminal growth rate
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To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

Forecast:

Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

4.2 %

Dividend Yield TTM

0.9 %

Market cap $

$ 23,298

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

20.8

Price / Book TTM

1.8

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

(2.4)

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

(11.8) %

15.2 %

303.6 %

Free cash flow per share growth

(28.7) %

89.6 %

240.4 %

Earnings per share growth

(1.5) %

87 %

271.8 %

Founded: 1,939

Employees: 6,213

Business Summary:brown & brown is an independent insurance intermediary that, through its licensed subsidiaries, provides a variety of insurance products and services to corporate, public entity, institutional, trade, professional, association and individual clients. becoming a teammate at brown & brown insurance introduces you to a career with virtually unlimited possibilities. our unique corporate culture rewards self-starters and hard workers who adhere to our commitment to do what is best for our clients. with brown & brown you will get the training, the mentoring and the tools you need to succeed. headquartered in daytona beach, we are located all across the united states, with products and services offered through four major business divisions. we are listed on the nyse at bro. our corporate culture is built on vision, speed, agility and strength that allows us to thrive in the very competitive insurance environment. this unique culture has enabled us to quickly chase down new opportunities, adap

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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q3 (Oct 27, 2026)

1) Strategy & Leadership
- Powell Brown emphasized the successful integration of over 5,000 teammates from the Accession acquisition, marking a year of significant accomplishments.
- The board raised the dividend by 9%, marking the 33rd consecutive year of increases.
- The company is focusing on enhancing collaboration and leveraging capabilities to drive new business wins.
- Brown & Brown is committed to a disciplined approach in navigating market challenges while maintaining a strong focus on customer outcomes.

2) Financial & Segment Results
- Total revenues for Q3 2026 reached $1.7 billion, a 7.4% increase YoY.
- Organic revenue growth was 1.2%, with adjusted earnings per share growing nearly 2% to $1.07.
- Retail segment achieved organic growth of 2.6%, driven by employee benefits and bond practices.
- Specialty distribution saw organic revenue decline of 0.8%, impacted by market headwinds and a shift of business from E&S to admitted markets.
- EBITDAC margin decreased by 200 basis points to 34.6%, primarily due to lower interest income.

3) Problems / Headwinds
- Specialty distribution faced challenges from increased competition in the admitted market, leading to downward pricing pressure.
- The lender-placed program experienced delays, impacting revenue recognition.
- A quiet storm season resulted in lower flood claims processing revenue.
- The company anticipates continued headwinds in the specialty segment, particularly in CAT property rates and competitive pressures.

4) Operational or Product Plans
- Brown & Brown is investing in AI initiatives to enhance operational efficiency and customer service, with a partnership involving McKinsey, Accenture, and Anthropic.
- The company is targeting net EBITDAC synergies of $175 million by the end of 2028, up from previous estimates.
- Plans for 2027 include a focus on organic growth in both retail (2%-4%) and specialty distribution (1%-3%), with expectations for improved performance driven by new business opportunities.

5) Guidance & Outlook / Investor Angle
- For Q4 2026, retail organic growth is expected to be in the range of 2%-3%, while specialty distribution is projected to decline by 2%-4%.
- The company is optimistic about improving organic growth in 2027, despite current market challenges.
- There is a focus on maintaining strong cash flow and balancing capital allocation between hiring, share repurchases, and M&A.

Bottom line: Brown & Brown is navigating a complex insurance market with a strategic focus on integration and operational efficiency. While facing headwinds in specialty distribution, the company remains committed to long-term growth and shareholder value through disciplined execution and innovative initiatives.

Annual Reports, Presentations And IR Contacts

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Annual report links (10K)
2025202420232022202120202019201820172016

Brown and Brown — Financial Overview, Stock Price, Market Cap

Brown and Brown is a company. Founded in 1939. As of October 30, 2026, the company's market capitalization is $23298046080 with a current stock price of $70.24.