BRO · Brown & Brown Inc
Price
Snapshot
50 fields · last close| Market Cap | $23.22B |
| P/E | 19.27 |
| Float | 289.9M |
| Beta | 0.54 |
| Volatility | 13.6% |
| Exchange | NYSE |
| Sector | Insurance |
| Cap tier | Large cap |
| Macro sensitivity | Low |
| Clavix score | 74.7 |
| Price | 68.67 |
| Change | −1.05% |
| Prev Close | 69.40 |
| Open | 68.75 |
| Day Low | 68.19 |
| Day High | 69.47 |
| Avg Vol | 2 |
| Avg $ Vol | $155.6M |
| 52W High | 92.91 |
| 52W Low | 53.81 |
| 52W Pos | 38.0% |
| From High | −26.09% |
| From Low | +27.62% |
| Max DD 1Y | −39.04% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | +9.60% |
| SMA 50 | +2.19% |
| SMA 200 | +2.44% |
| RSI (14) | 66.6 |
| Vol 30D | 32.9% |
| Vol 90D | 33.7% |
| 1Y Range | 54–93 |
| Daily bars | 537 |
| Perf Week | +10.37% |
| Perf Month | +6.57% |
| Perf Quarter | +0.67% |
| Perf Half Y | +2.39% |
| Perf Year | −20.61% |
| Perf YTD | −11.53% |
| Prev Day | −1.05% |
| Clavix | B |
| Debt / Eq | 1.36 |
| Curr Ratio | 1.04 |
| Int Cover | 4.9× |
| FCF Margin | 23.4% |
| Rev Growth | +22.8% |
| Profit | Profitable |
| Leverage | Low |
| Sector rank | 27 / 31 |
What BRO does
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 insurance products, employee benefits insurance products, personal insurance products, specialties insurance products, risk management strategies, loss control surveys and analysis, consulting, 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, professionals, 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, financial services, physicians, and 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, as well as 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 program businesses operate under the Arrowhead Programs name. The company was formerly known as Poe & Brown, Inc. and changed its name to Brown & Brown, Inc. in April 1999.
Brown & Brown, Inc. was founded in 1939 and is headquartered in Daytona Beach, Florida.
Clavix risk grade
regraded every trading dayBRO grades B, 74.7 of 100. Steadiest on Macro Resilience (62), most exposed on Sector Resilience (56, mixed). 0 of the 4 weighted dimensions sit above the Insurance median. Ranks 27 of 31 in Insurance by Clavix score.
How rough the ride is
| BRO | Insurance median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 0.54 | 0.50 |
| Volatilityannualized | 13.6% | 12.5% |
| Max drawdown, past yearworst peak-to-trough fall | −39.0% | — |
| Typical daily movemedian absolute daily change | 1.16% | — |
| Days beyond ±3%of the last 252 sessions | 28 (11%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| BRO | Insurance median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 0.54 | 0.50 |
| Macro sensitivityrate, dollar and credit exposure bucket | Low | Low 74% of 31 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Insurance names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| BRO | |
|---|---|
| 1 week | +10.4% |
| 1 month | +6.6% |
| Year to date | −11.5% |
| 1 year | −20.6% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| BRO | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 28 Jul |
| Average score0 most bearish, 100 most bullish | 55 |
| Bullish · bearisharticles above 60 · below 40 | 15 · 6 |
| Directionarticles whose tone is improving vs worsening | 15 ↑ 6 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 31 Insurance names Clavix covers; the tick is the sector median.
Growth
| BRO | |
|---|---|
| Revenue growthyear over year | +22.8% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Insurance median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openThe piece notes the stock is down 20.3% over the past year and frames the debate as whether the business's profitability on its invested capital justifies more than recent trading suggests.
Analytical piece questioning whether insurer payments called contingent commissions (extra fees from insurers based on underwriting profitability) are masking weakness in Brown & Brown's core brokerage business, as falling catastrophe-property insurance rates squeeze commission income on renewals.
Brown & Brown (BRO) is expanding its Preferred Partner relationship with Marcus & Millichap into Canada, giving commercial real estate investors there access to its insurance placement, risk consulting, portfolio analysis, and due diligence services. Marcus & Millichap has operated in Canada since 2013.
Brown & Brown shares rose about 2.9% in afternoon trading after Oppenheimer began covering the insurance brokerage with an Outperform rating and set a $73 price target, roughly 20% above where shares were trading when the note was published.
Brown & Brown has become a Strategic Partner of Financial Executives International (FEI), giving FEI members access to guidance on employee benefits strategy, healthcare cost management, and workforce trends.
Nearest peers by size
Insurance| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| PFG | Principal Financial Group Inc | A- | $23.30B | 14.95 | 0.90 | Compare |
| MKL | Markel Group Inc | A- | $22.92B | 10.03 | 0.60 | Compare |
| L | Loews Corp | A | $22.59B | 13.39 | 0.50 | Compare |
| CINF | Cincinnati Financial Corp | A- | $26.28B | 7.90 | 0.51 | Compare |
| WRB | W. R. Berkley Corp | A- | $27.23B | 14.40 | 0.23 | Compare |
| RGA | Reinsurance Group of America Inc | A- | $17.42B | 11.54 | 0.42 | Compare |
| WTW | Willis Towers Watson PLC | B+ | $31.74B | 18.38 | 0.45 | Compare |
| ACGL | Arch Capital Group Ltd | A- | $34.56B | 7.36 | 0.22 | Compare |
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