Brown & Brown, Inc.

$ 59.10 0.10 %

Brown & Brown, Inc. operates as an insurance brokerage firm, providing a diverse range of products and services throughout the United States, Bermuda, Canada, Ireland, the United Kingdom, and the Cayman Islands. The company's operations are strategically divided into four primary segments: Retail, National Programs, Wholesale Brokerage, and Services. The Retail division delivers a comprehensive suite of property and casualty, employee benefits, personal, and specialized insurance offerings, complemented by services such as loss control assessments, consulting, and claims processing. This segment caters to a broad spectrum of clients, including commercial entities, public and quasi-public organizations, professionals, and individuals. The National Programs segment focuses on professional liability and associated bundled insurance products for specific sectors like dentistry, law, optometry, insurance, finance, medicine, and real estate title professionals, alongside supplementary coverages for events, medical facilities, and cyber risks. This segment also provides outsourced services to insurance carrier partners, encompassing product development, marketing, underwriting, actuarial analysis, compliance, claims, and other administrative support, while additionally managing commercial and public entity programs and flood insurance, largely through independent agents. The Wholesale Brokerage segment facilitates the distribution of excess and surplus commercial and personal lines insurance via independent agents and brokers. Finally, the Services segment offers critical support functions such as third-party claims administration and medical utilization management for workers' compensation and all-lines liability, along with Medicare Set-aside provisions, Social Security disability assistance, Medicare benefits advocacy, and claims adjusting services. Founded in 1939, Brown & Brown, Inc. is headquartered in Daytona Beach, Florida.

CEO: J. Powell Brown - http://www.bbrown.com

Price objectif

$88 48.90 %

Recommandation

Hold

DCF

$ 161.86

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BRO vs S&P500

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Quick ratio

0.95

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

19.25

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.07

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.35 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

5.85 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

6.00

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.64

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

4.43

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

18.12 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
1.46 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.12 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.27 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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