BRO:NYE-Brown & Brown, Inc (USD)

COMMON STOCK | Insurance Brokers | NYE

Last Closing Price

USD 43.94

Change

0.00 (0.00)%

Market Cap

USD 12.43B

Volume

0.68M

Average Target Price

USD 42.13 (-4.13%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Brown & Brown, Inc. markets and sells insurance products and services in the United States, England, Canada, Bermuda, and the Cayman Islands. It operates through four segments: Retail, National Programs, Wholesale Brokerage, and Services. The Retail segment offers commercial packages, group medical, workers' compensation, property risk, and general liability insurance products; and group and individual life, accident, disability, health, hospitalization, medical, dental, and other ancillary insurance products, as well as risk management, 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 dentists, oral surgeons, hygienists, lawyers, optometrists, opticians, ophthalmologists, insurance agents, financial advisors, registered representatives, securities broker-dealers, benefit administrators, real estate title agents, and escrow agents, 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. Address: 220 South Ridgewood Avenue, Daytona Beach, FL, United States, 32114

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-27 )

Largest Industry Peers for Insurance Brokers

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
MMC Marsh & McLennan Companies, In..

N/A

USD57.22B 28.47 17.89
AON Aon Plc

N/A

USD45.49B 26.02 12.87
AJG Arthur J. Gallagher & Co

N/A

USD19.72B 27.32 16.52
CRD-A Crawford & Company

N/A

USD0.36B 14.84 11.95
CRD-B Crawford & Company

N/A

USD0.35B 13.61 11.95

ETFs Containing BRO

Symbol Name Weight Mer Price(Change) Market Cap
KIE SPDR S&P Insurance ETF 0.00 % 0.35 %

N/A

USD0.54B
PXMG Invesco S&P MidCap Moment.. 0.00 % 0.39 %

N/A

USD0.61B
VBR Vanguard Small-Cap Value .. 0.00 % 0.07 %

N/A

USD26.57B
OUSM O’Shares.. 0.00 % 0.48 %

N/A

USD0.09B
XMMO Invesco S&P MidCap Moment.. 0.00 % 0.39 %

N/A

USD0.69B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance Brokers)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 11.30% 100% A+ 86% B
Dividend Return 0.65% 33% F 17% F
Total Return 11.94% 100% A+ 86% B
Trailing 12 Months  
Capital Gain 22.77% 100% A+ 87% B+
Dividend Return 0.95% 33% F 20% F
Total Return 23.72% 100% A+ 86% B
Trailing 5 Years  
Capital Gain 185.88% 100% A+ 94% A
Dividend Return 9.60% 33% F 27% F
Total Return 195.48% 100% A+ 94% A
Average Annual (5 Year Horizon)  
Capital Gain 24.69% N/A N/A 93% A
Dividend Return 1.27% N/A N/A 39% F
Total Return 25.96% N/A N/A 93% A
Risk Return Profile  
Volatility (Standard Deviation) 11.37% N/A N/A 66% D
Risk Adjusted Return 228.43% N/A N/A 100% A+
Market Capitalization 12.43B 50% F 86% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance Brokers)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 28.10 33% F 23% F
Price/Book Ratio 3.44 67% D+ 22% F
Price / Cash Flow Ratio 18.32 50% F 18% F
EV/EBITDA 17.28 33% F 29% F
Management Effectiveness  
Return on Equity 13.05% 50% F 78% C+
Return on Invested Capital 8.47% 50% F 65% D
Return on Assets 5.54% 67% D+ 83% B
Debt to Equity Ratio 44.78% 100% A+ 64% D
Technical Ratios  
Short Ratio 3.63 67% D+ 32% F
Short Percent 1.51% 40% F 77% C+
Beta 0.68 100% A+ 73% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.