Equity Brief · Financial Services2026-09-16
BRO·Financial Services

Last results 26 Oct 2026

Brown & Brown, Inc.

I · AI Analysis

The brief

Brown & Brown sells insurance products—property and casualty, employee benefits, personal lines—and provides wholesale brokerage and specialty programs through independent agents [Yahoo Finance]. They also run program management services for insurance carriers and operate Arrowhead Programs [Yahoo Finance].

Brown & Brown, Inc. is a U.S.-based insurance broker with roughly 22,900 employees, operating retail insurance and specialty distribution businesses [Yahoo Finance]. The company reported trailing-twelve-month revenue of $6.7B through 30 June 2026, with the latest quarter showing revenue growth of 32.4% year over year [Yahoo Finance]. Recent news coverage includes litigation developments and a contract dispute, alongside mention of the company's 443% 10-year return [Stock Titan, theinsurer.com, Insurance Journal].

Solid revenue growth and cash generation, but operating margin compressed slightly in the latest quarter and net debt stands at 3.3 times EBITDA.

The brief AI analysisConfidence 7/10

Sentinellis health

Moderate concerns

6.7/10

7.5+ strong · 4.5–7.5 moderate · under 4.5 weak

Profitability

14% of score10.0/10
Net margin+18.1%Gross margin+56.3%

Returns on capital

14% of score0.0/10
ROIC+6.6%· need > 10%Return on equity+9.5%· need > 12%

Growth & momentum

19% of score10.0/10
Revenue growth+32.4%Operating margin trend-1.8pp YoY

Balance sheet

29% of score3.3/10
Current ratio1.1x· need > 1.2xNet debt / EBITDA3.3x· need < 2.5xInterest coverage5.5xDebt / equity0.64

Cash generation

14% of score10.0/10
Free cash flow$1.4BCash vs reported profit$1.5B vs $1.2B

Value creation

10% of score10.0/10
ROIC vs cost of capital+0.2pp

Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.

Market capitalisation

$22.5B

Revenue (TTM)

$6.7B

Explainers

How we read these numbers

Plain-English guides · no account needed

II · Recent news

What moved

5 stories · ranked by relevance

  • Company2026-09-15

    Brown & Brown Inc. stock outperforms competitors despite losses on the day - marketwatch.com

    MarketWatch

  • Company2026-09-15

    Judge imposes sanctions on Howden for noncompliance in Brown & Brown case - theinsurer.com

    theinsurer.com

  • Company2026-09-11

    Ryan Files Protest Over Clearinghouse Contract Awarded to Brown & Brown Firm - Insurance Journal

    Insurance Journal

  • Company2026-09-10

    Brown & Brown (NYSE: BRO) highlights 443% 10-year return in 2026 outlook - Stock Titan

    Stock Titan

  • Company2026-09-15

    Brown & Brown Stock: Is BRO Underperforming the Financial Sector?

    Barchart

Premium · Free with any account

Operating margin in the latest quarter declined 1.8 percentage points year over year, even as revenue grew strongly—the company expanded the top line but saw profitability compress [Sentinellis calculation].

1 of 5 risks in this report

Risks

5

Opportunities

5

Red flags

1

Leadership

10

10 more findings in the full report — free with any account.

Unlock the full Brown & Brown, Inc. analysis

Create a free account to access the complete AI-generated report with inline citations.

  • 5 risks, 5 opportunities and 1 red flag — each with its source
  • 100+ financial metrics with charts and benchmarks
  • Full news summaries with source links
  • Executive team and compensation details
Unlock all 11 findings3 free reports · No credit card

III · Related

You might also read

Same sector · Financial Services — or comparable health

Want this for your watchlist?

Read three companies free. No card.

Get 3 free reports

Produced 16 Sept 2026, 09:08 UTC

Figures come from company filings and market data. The Sentinellis health score and the wording attached to it are our interpretation of those figures, not numbers the company reported.

Not investment advice and not a recommendation to buy or sell. Sentinellis holds no positions in the companies it covers, takes no payment from issuers, and has no broker referral arrangements.

How every figure and score is calculated