BRO
Financial ServicesBrown & Brown, Inc. · Insurance - Brokers · $24B
What is Brown & Brown, Inc.?
Brown & Brown is a large-cap insurance brokerage and services firm operating across the United States and several international markets. The company connects businesses, professionals, and individuals with insurance products suited to their needs.
Brown & Brown earns revenue by marketing and distributing insurance products through four segments: Retail, National Programs, Wholesale Brokerage, and Services. Rather than underwriting risk itself, the company acts as an intermediary — placing coverage with carriers and earning commissions and fees. Its Services segment also provides third-party claims administration and medical utilization management.
Founded in 1981 and headquartered in Daytona Beach, Florida.
- Retail property, casualty, and employee benefits brokerage
- Specialty program insurance for professions such as dentistry, legal, and eyecare
- Excess and surplus lines wholesale brokerage
- Third-party claims administration and workers' compensation services
Is BRO a Good Stock to Buy?
UQS Score rates BRO as Good overall, reflecting a balanced profile across its five pillars.
The Quality and Growth pillars both register as Good, suggesting the business generates consistent earnings and has expanded at a pace above many sector peers. Valuation also lands in Good territory, indicating the market price is not dramatically stretched relative to fundamentals.
The Moat and Risk pillars are rated Neutral, pointing to a competitive landscape where differentiation requires ongoing effort and where macro or market conditions could introduce volatility.
See the exact pillar breakdown and full financial metrics by signing up for a Pro membership at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BRO pay dividends?
Yes — Brown & Brown, Inc. pays a dividend.
Brown & Brown pays a regular dividend, which is relatively uncommon among high-growth insurance brokers. The dividend reflects the company's ability to generate recurring fee and commission income. Income-focused investors may find the payout a useful complement to any capital appreciation potential.
When does BRO report earnings?
Brown & Brown reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
The company's Good Quality and Growth pillar ratings suggest earnings have been broadly resilient, supported by diversified revenue streams across its four operating segments. Commission-based revenue tied to insurance premiums provides a degree of stability through economic cycles.
For the most recent quarter's results, visit Brown & Brown's investor relations page directly.
BRO Price History
+12.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Brown & Brown, Inc.?
Based on Brown & Brown, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Brown & Brown do?
Brown & Brown is an insurance brokerage that markets and distributes property, casualty, specialty, and employee benefits insurance. It operates through four segments — Retail, National Programs, Wholesale Brokerage, and Services — serving commercial, professional, and individual clients across the US and internationally.
Does BRO pay dividends?
Yes, Brown & Brown pays a regular dividend. The company's recurring commission and fee-based revenue model supports consistent dividend payments, making it a consideration for investors seeking income alongside growth exposure in the financial services sector.
When does BRO report earnings?
Brown & Brown reports on a quarterly basis, in line with standard US-listed company practice. For the exact schedule and most recent results, check the investor relations section of the company's official website.
Is BRO a good stock to buy?
UQS Score rates BRO as Good, with positive signals in Quality, Growth, and Valuation pillars. Moat and Risk are Neutral, reflecting a competitive industry. Whether it fits your portfolio depends on your goals — the full pillar breakdown is available to Pro members.
Is BRO overvalued?
The UQS Valuation pillar for BRO is rated Good, suggesting the current market price is not dramatically elevated relative to the company's fundamentals. For a detailed view of the valuation metrics behind this rating, Pro members can access the complete analysis.
How does BRO compare to its competitors?
Brown & Brown operates alongside peers such as Willis Towers Watson (WTW), Erie Indemnity (ERIE), and Arthur J. Gallagher (AJG). BRO differentiates itself through its specialty program business and decentralized operating model, though all four compete for similar commercial and professional insurance clients.
What is BRO's market cap bracket?
Brown & Brown is classified as a large-cap company, reflecting its significant scale within the insurance brokerage industry and its broad geographic and segment diversification.
Is BRO a long-term quality indicator?
The UQS Score framework evaluates long-term quality through pillars like Moat, Quality, and Risk. BRO's Good overall rating with Neutral Moat and Risk scores suggests a business with durable characteristics, though investors should weigh competitive dynamics and macro sensitivity over a longer horizon.
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Pro Analysis
BRO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 25, 2026 | 10.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | -20.7 |
| Aug 14, 2026 | 30.7 | 47.3 | 40.0 | 33.3 | 14.4 | 0.0 | -30.0 |
| Aug 5, 2026 | 60.7 | 71.6 | 40.0 | 67.9 | 49.0 | 79.1 | +0.1 |
| Aug 3, 2026 | 60.6 | 71.6 | 40.0 | 67.9 | 49.0 | 78.2 | +1.4 |
| Jul 29, 2026 | 59.2 | 66.4 | 40.0 | 67.9 | 48.0 | 78.7 | -0.2 |
| Jul 27, 2026 | 59.4 | 66.4 | 40.0 | 69.2 | 48.0 | 78.7 | -0.1 |
| Jul 25, 2026 | 59.5 | 66.4 | 40.0 | 69.2 | 48.0 | 79.1 | -0.2 |
| Jul 24, 2026 | 59.7 | 67.0 | 40.0 | 69.2 | 48.0 | 79.7 | 0.0 |
| Jul 23, 2026 | 59.7 | 67.1 | 40.0 | 69.2 | 48.0 | 79.3 | +0.1 |
| Jul 22, 2026 | 59.6 | 66.7 | 40.0 | 69.2 | 48.0 | 79.4 | +0.4 |
BRO — Pillar Breakdown
Quality
— 0.0/100 (25%)Brown & Brown, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)Brown & Brown, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)Brown & Brown, Inc. presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)Brown & Brown, Inc. appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 40/100 (25%)Brown & Brown, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BRO.
Score Composition
Financial Data
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How is the BRO UQS Score Calculated?
The UQS (Unified Quality Score) for Brown & Brown, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Brown & Brown, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Brown & Brown, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.