US · BRO
Brown & Brown, Inc.
- Sector
- Financial Services · Insurance - Brokers
- Headquarters
- Daytona Beach, FL 32114
- Website
- bbinsurance.com
Price · as of 2025-12-31
$57.63
Market cap 24.52B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $101.83 | +76.7% |
| Intrinsic Value(DCF) | $96.64 | +67.69% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $114.15 | +98.08% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.36 | $31.60 | $2.37 | $1.60 | $7.08 |
| 2012 | $13.49 | $35.10 | $2.62 | $0.98 | $16.86 |
| 2013 | $13.75 | $34.24 | $10.21 | $1.00 | $16.57 |
| 2014 | $14.61 | $36.02 | $30.02 | $0.00 | $16.92 |
| 2015 | $15.73 | $35.78 | $17.52 | $0.00 | $12.07 |
| 2016 | $20.06 | $37.76 | $9.46 | $0.00 | $13.48 |
| 2017 | $25.20 | $41.03 | $6.45 | $2.56 | $19.49 |
| 2018 | $27.43 | $41.30 | $3.38 | $0.07 | $19.49 |
| 2019 | $43.29 | $49.97 | $9.66 | $0.83 | $37.91 |
| 2020 | $45.26 | $51.59 | $8.71 | $0.92 | $29.55 |
| 2021 | $61.02 | $61.08 | $24.17 | $2.85 | $51.88 |
| 2022 | $53.83 | $62.45 | $30.58 | $0.00 | $58.92 |
| 2023 | $84.09 | $77.47 | $56.71 | $2.01 | $77.99 |
| 2024 | $117.78 | $98.12 | $55.63 | $3.98 | $69.05 |
| 2025 | $72.36 | $101.83 | $56.84 | $0.00 | $114.15 |
AI valuation
Our deep-learning model estimates Brown & Brown, Inc.'s (BRO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $101.83
- Current price
- $57.63
- AI upside
- +76.7%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$96.64
+67.69% upside
Graham-Dodd
—
— upside
Graham Formula
$114.15
+98.08% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BRO | Brown & Brown, Inc. | $57.63 | 24.52B | +77% | +68% | — | +98% | 21.02 | 1.79 | 3.77 | 14.38 | — | -3.01 | 87.68% | 28.46% | 17.70% | 11.24% | 9.04% | 4.48% | 0.63 | 5.71 | 1.04 | 0.56 | 3.36 | -867.00% | 2659.00% | 2656.00% | 6.16% | 0.17 | 9.47% | 0.86% | 18.20% | 1.31% | 17.27 | 21.18 | 4.91 | 1.50 |
| CINF | Cincinnati Financial Corp… | $163.98 | 25.58B | +1% | +365% | -23% | +76% | 11.21 | 1.69 | 2.12 | 8.21 | 254.39 | 1.69 | 50.12% | 23.59% | 18.95% | 16.04% | 37.65% | 6.18% | 0.06 | 562.26 | 1.66 | 5.31 | -0.17 | 440.00% | 1141.00% | 1846.00% | 11.61% | 3.61 | 48.96% | 1.96% | 21.90% | 3.59% | 8.81 | 8.44 | 2.08 | 1.78 |
| FITB | Fifth Third Bancorp | $49.47 | 32.7B | -4% | -28% | -64% | -48% | 13.13 | 1.52 | 2.57 | 6.99 | 103.07 | 1.98 | 65.29% | 24.95% | 19.61% | 12.19% | -78.12% | 1.18% | 0.67 | 0.82 | 0.82 | 0.82 | 3.05 | 1274.00% | -140.00% | -4776.00% | 3.80% | 0.01 | -38.98% | 3.51% | 46.10% | 21.08% | 7.87 | 20.06 | 1.96 | 0.20 |
| FUTU | Futu Holdings Limited | $148.84 | 20.74B | -40% | -70% | -66% | +42% | 22.65 | 4.39 | 9.06 | 17.24 | 83.20 | 4.41 | 82.01% | 48.72% | 40.05% | 20.67% | 25.19% | 4.25% | 0.31 | — | 1.19 | 0.67 | -0.46 | 2723.00% | 3579.00% | -58056.00% | 25.05% | 0.24 | 138.83% | 0.00% | 0.00% | 3.32% | 17.70 | 3.80 | 8.62 | 1.11 |
| HBAN | Huntington Bancshares Inc… | $16.80 | 24.85B | +58% | -11% | -43% | +10% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| MKL | Markel Corporation | $2,072.47 | 26.13B | -32% | -11% | -0% | -43% | 12.54 | 1.42 | 1.59 | 1.37 | — | 1.86 | 69.38% | 16.47% | 12.70% | 11.87% | 29.56% | 3.62% | 0.00 | 13.27 | — | — | -1.57 | -1510.00% | -96.00% | 921.00% | 9.67% | — | 35.08% | 0.00% | 0.00% | 22.93% | 1.47 | 1.57 | 0.24 | 0.28 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| WRB | W. R. Berkley Corporation | $71.70 | 27.25B | +42% | -21% | -34% | -2% | 16.33 | 2.96 | 1.98 | 13.15 | 791.02 | 2.96 | 19.81% | 15.87% | 12.10% | 19.55% | -319.05% | 6.66% | 0.29 | 18.40 | — | — | 0.15 | 206.00% | 782.00% | -448.00% | 11.75% | — | -596.00% | 0.00% | 0.00% | 1.76% | 13.36 | 9.14 | 2.12 | 1.41 |
| WTW | Willis Towers Watson Publ… | $305.17 | 29.22B | -23% | -52% | -94% | -68% | 18.48 | 3.74 | 3.07 | 12.55 | — | -14.17 | 42.06% | 23.01% | 16.53% | 20.27% | 15.73% | 5.64% | 0.87 | 8.59 | 1.20 | 0.42 | 1.41 | -179375.00% | -224.00% | 2202.00% | 5.19% | 0.13 | 13.03% | 1.20% | 22.20% | 7.64% | 15.03 | 21.72 | 3.46 | 1.51 |
About Brown & Brown, Inc.
Brown & Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, Ireland, the United Kingdom, and the Cayman Islands. It operates through four segments: Retail, National Programs, Wholesale Brokerage, and Services. The Retail segment offers property and casualty, employee benefits insurance products, personal insurance products, specialties insurance products, loss control survey and analysis, consultancy, and claims processing services. It serves commercial, public and quasi-public entities, professional, and individual customers. The National 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 offers outsourced product development, marketing, underwriting, actuarial, compliance, and claims and other administrative services to insurance carrier partners; and commercial and public entity-related programs, and flood insurance products. It serves through independent agents. 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. The company was founded in 1939 and is headquartered in Daytona Beach, Florida.
- CEO
- J. Powell Brown
- Employees
- 17.4K
- Beta
- 0.79
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($96.64 ÷ $57.63) − 1 = +67.69% (DCF, example).