Brown Brown Financials

BRO Stock  USD 105.46  2.29  2.22%   
Based on the analysis of Brown Brown's profitability, liquidity, and operating efficiency, Brown Brown may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Brown Brown's Net Debt is very stable compared to the past year. As of the 30th of January 2025, Retained Earnings is likely to grow to about 6.4 B, though Accumulated Other Comprehensive Income is likely to grow to (16.3 M). Key indicators impacting Brown Brown's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.120.2067
Way Down
Slightly volatile
Return On Assets0.08160.0673
Fairly Up
Pretty Stable
Return On Equity0.170.18
Notably Down
Pretty Stable
Debt Equity Ratio0.470.83
Way Down
Slightly volatile
Operating Income1.4 B1.3 B
Sufficiently Up
Slightly volatile
Current Ratio0.870.93
Notably Down
Slightly volatile
Investors should never underestimate Brown Brown's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Brown Brown's cash flow, debt, and profitability to make informed and accurate decisions about investing in Brown Brown.

Cash And Equivalents

695.29 Million

  
Understanding current and past Brown Brown Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Brown Brown's financial statements are interrelated, with each one affecting the others. For example, an increase in Brown Brown's assets may result in an increase in income on the income statement.

Brown Brown Earnings Geography

Brown Brown Stock Summary

Brown Brown competes with Marsh McLennan, Aon PLC, Willis Towers, Erie Indemnity, and Arthur J. Brown Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, Ireland, the United Kingdom, and the Cayman Islands. The company was founded in 19 and is headquartered in Daytona Beach, Florida. Brown Brown operates under Insurance Brokers classification in the United States and is traded on New York Stock Exchange. It employs 12023 people.
Specialization
Financial Services, Insurance Brokers
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1152361010
CUSIP115236101 730444106
LocationFlorida; U.S.A
Business Address300 North Beach
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bbinsurance.com
Phone386 252 9601
CurrencyUSD - US Dollar

Brown Brown Key Financial Ratios

Brown Brown Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets9.0B9.8B14.0B14.9B17.1B18.0B
Other Current Liab317.7M1.9B3.5B3.3B3.8B4.0B
Net Debt1.5B1.3B3.5B3.3B3.8B4.0B
Retained Earnings3.5B4.0B4.6B5.3B6.1B6.4B
Cash817.4M887.1M650M700.3M805.3M845.6M
Net Receivables1.1B1.3B2.4B2.0B2.3B2.5B
Other Current Assets979.8M1.3B2.0B2.4B2.7B2.9B
Total Liab5.2B5.6B9.4B9.3B10.7B11.2B
Total Current Assets3.0B3.3B5.0B5.1B5.9B6.2B
Short Term Debt113.5M85.9M295.6M614.1M706.2M741.5M
Intangible Assets1.0B1.1B1.6B1.6B1.9B2.0B
Accounts Payable1.4B242.7M286.5M458.9M527.7M308.0M
Common Stock30M30.1M30.3M30.4M35.0M36.7M
Other Liab559.0M659.1M770.7M882.9M1.0B1.1B
Other Assets562.7M206.8M230.9M32.4M37.3M35.4M
Long Term Debt2.0B2.0B3.7B3.2B3.7B3.9B
Inventory832.1M975.4M1.8B1.01.151.09
Good Will4.4B4.7B6.7B7.3B8.4B8.9B
Net Tangible Assets(1.1B)(1.5B)(1.6B)(3.7B)(3.3B)(3.1B)
Long Term Debt Total1.5B2.0B2.0B3.7B4.2B4.5B
Capital Surpluse716.0M794.9M849.4M919.7M1.1B591.9M

Brown Brown Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense59M65M141.2M195.4M224.7M235.9M
Total Revenue2.6B3.0B3.6B4.3B4.8B5.0B
Gross Profit1.2B1.4B1.8B1.4B2.4B2.5B
Operating Income673.4M857.5M973.9M1.1B1.3B1.4B
Ebit673.8M919.7M1.0B1.3B1.5B1.5B
Ebitda808.2M1.0B1.2B1.1B1.3B1.4B
Cost Of Revenue1.4B1.6B1.8B2.8B2.4B2.5B
Income Before Tax624.1M762.8M876.1M1.1B1.3B1.4B
Net Income480.5M587.1M671.8M870.5M993M1.0B
Income Tax Expense143.6M175.7M204.3M275.6M310M325.5M
Non Recurring40.6M63.7M59.0M65.0M74.7M39.9M
Tax Provision143.6M175.7M204.3M238.3M274.0M169.0M
Interest Income63.7M59M65.0M141.2M162.4M170.5M
Net Interest Income(59M)(65M)(141.2M)(195.4M)(175.9M)(167.1M)

Brown Brown Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash308.9M198.4M562.9M269.7M199M209.0M
Free Cash Flow650.9M903M828.8M1.0B1.2B1.2B
Depreciation134.8M152.9M185.8M206M222M233.1M
Other Non Cash Items(7.5M)15.7M(69.2M)(168.9M)(164M)(155.8M)
Dividends Paid100.6M107.2M119.5M134.9M(154M)(146.3M)
Capital Expenditures73.1M70.7M45M52.6M58.6M0.0
Net Income480.5M587.1M671.8M870.5M1.0B1.1B
End Period Cash Flow1.3B1.5B2.0B2.3B2.5B2.6B
Change To Inventory(423.5M)(13.8M)(119.6M)(9.4M)(8.5M)(8.9M)
Investments(3.1M)(200K)(1.9B)(193.3M)(174.0M)(182.7M)
Net Borrowings46.3M538.2M(73.1M)1.9B2.2B2.3B
Change To Netincome58.0M71.2M107.3M35.9M41.3M42.1M
Change Receivables395.5M(21.2M)3.4M(34.2M)(39.4M)(37.4M)

Brown Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Brown Brown's current stock value. Our valuation model uses many indicators to compare Brown Brown value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Brown Brown competition to find correlations between indicators driving Brown Brown's intrinsic value. More Info.
Brown Brown is rated fifth in return on equity category among its peers. It also is rated fifth in return on asset category among its peers reporting about  0.29  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Brown Brown is roughly  3.49 . At this time, Brown Brown's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Brown Brown's earnings, one of the primary drivers of an investment's value.

Brown Brown's Earnings Breakdown by Geography

Brown Brown Systematic Risk

Brown Brown's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Brown Brown volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Brown Brown correlated with the market. If Beta is less than 0 Brown Brown generally moves in the opposite direction as compared to the market. If Brown Brown Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Brown Brown is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Brown Brown is generally in the same direction as the market. If Beta > 1 Brown Brown moves generally in the same direction as, but more than the movement of the benchmark.

Brown Brown Thematic Clasifications

Brown Brown is part of Insurance investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
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This theme covers USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Brown Brown Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Brown Brown's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Brown Brown growth as a starting point in their analysis.

Price Earnings To Growth Ratio

2.08

At this time, Brown Brown's Price Earnings To Growth Ratio is very stable compared to the past year.

Brown Brown January 30, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Brown Brown help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Brown Brown. We use our internally-developed statistical techniques to arrive at the intrinsic value of Brown Brown based on widely used predictive technical indicators. In general, we focus on analyzing Brown Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Brown Brown's daily price indicators and compare them against related drivers.
When determining whether Brown Brown offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Brown Brown's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Brown Brown Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Brown Brown Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Brown Brown. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
To learn how to invest in Brown Stock, please use our How to Invest in Brown Brown guide.
You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.
Is Insurance Brokers space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Brown Brown. If investors know Brown will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Brown Brown listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.311
Earnings Share
3.46
Revenue Per Share
16.261
Quarterly Revenue Growth
0.099
Return On Assets
0.052
The market value of Brown Brown is measured differently than its book value, which is the value of Brown that is recorded on the company's balance sheet. Investors also form their own opinion of Brown Brown's value that differs from its market value or its book value, called intrinsic value, which is Brown Brown's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Brown Brown's market value can be influenced by many factors that don't directly affect Brown Brown's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Brown Brown's value and its price as these two are different measures arrived at by different means. Investors typically determine if Brown Brown is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Brown Brown's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.