BROWN & BROWN INC (1BRO.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1BRO • US1152361010

90.82 EUR
+90.82 (+Infinity%)
Last: Jun 11, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to 1BRO. 1BRO was compared to 43 industry peers in the Insurance industry. While 1BRO has a great profitability rating, there are some minor concerns on its financial health. 1BRO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year 1BRO was profitable.
  • In the past year 1BRO had a positive cash flow from operations.
  • 1BRO had positive earnings in each of the past 5 years.
  • 1BRO had a positive operating cash flow in each of the past 5 years.
1BRO.MI Yearly Net Income VS EBIT VS OCF VS FCF1BRO.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 6.08%, 1BRO belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
  • 1BRO has a better Return On Equity (14.94%) than 62.50% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 9.85%, 1BRO belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for 1BRO is significantly above the industry average of 2.92%.
  • The 3 year average ROIC (9.07%) for 1BRO is below the current ROIC(9.85%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.08%
ROE 14.94%
ROIC 9.85%
ROA(3y)5.35%
ROA(5y)5.42%
ROE(3y)14.98%
ROE(5y)14.21%
ROIC(3y)9.07%
ROIC(5y)8.85%
1BRO.MI Yearly ROA, ROE, ROIC1BRO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • 1BRO's Profit Margin of 20.58% is amongst the best of the industry. 1BRO outperforms 92.50% of its industry peers.
  • 1BRO's Profit Margin has improved in the last couple of years.
  • The Operating Margin of 1BRO (30.80%) is better than 95.00% of its industry peers.
  • 1BRO's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 30.8%
PM (TTM) 20.58%
GM N/A
OM growth 3Y2.76%
OM growth 5Y4.78%
PM growth 3Y2.76%
PM growth 5Y4.84%
GM growth 3YN/A
GM growth 5YN/A
1BRO.MI Yearly Profit, Operating, Gross Margins1BRO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so 1BRO is still creating some value.
  • Compared to 1 year ago, 1BRO has more shares outstanding
  • 1BRO has more shares outstanding than it did 5 years ago.
  • 1BRO has a better debt/assets ratio than last year.
1BRO.MI Yearly Shares Outstanding1BRO.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
1BRO.MI Yearly Total Debt VS Total Assets1BRO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • An Altman-Z score of 3.01 indicates that 1BRO is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of 1BRO (3.01) is better than 100.00% of its industry peers.
  • The Debt to FCF ratio of 1BRO is 2.95, which is a good value as it means it would take 1BRO, 2.95 years of fcf income to pay off all of its debts.
  • 1BRO's Debt to FCF ratio of 2.95 is in line compared to the rest of the industry. 1BRO outperforms 55.00% of its industry peers.
  • A Debt/Equity ratio of 0.55 indicates that 1BRO is somewhat dependend on debt financing.
  • 1BRO has a Debt to Equity ratio (0.55) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 2.95
Altman-Z 3.01
ROIC/WACC1.06
WACC9.26%
1BRO.MI Yearly LT Debt VS Equity VS FCF1BRO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

  • 1BRO has a Current Ratio of 1.20. This is a normal value and indicates that 1BRO is financially healthy and should not expect problems in meeting its short term obligations.
  • 1BRO's Current ratio of 1.20 is amongst the best of the industry. 1BRO outperforms 95.00% of its industry peers.
  • A Quick Ratio of 1.20 indicates that 1BRO should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.20, 1BRO belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 1.2
1BRO.MI Yearly Current Assets VS Current Liabilites1BRO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • 1BRO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.30%, which is quite impressive.
  • The Earnings Per Share has been growing by 22.36% on average over the past years. This is a very strong growth
  • Looking at the last year, 1BRO shows a quite strong growth in Revenue. The Revenue has grown by 12.54% in the last year.
  • Measured over the past years, 1BRO shows a quite strong growth in Revenue. The Revenue has been growing by 14.97% on average per year.
EPS 1Y (TTM)28.3%
EPS 3Y20.59%
EPS 5Y22.36%
EPS Q2Q%13.16%
Revenue 1Y (TTM)12.54%
Revenue growth 3Y16.34%
Revenue growth 5Y14.97%
Sales Q2Q%11.61%

3.2 Future

  • 1BRO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.49% yearly.
  • The Revenue is expected to grow by 7.67% on average over the next years.
EPS Next Y10.18%
EPS Next 2Y10.14%
EPS Next 3Y9.49%
EPS Next 5YN/A
Revenue Next Year10.74%
Revenue Next 2Y10.45%
Revenue Next 3Y9.83%
Revenue Next 5Y7.67%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1BRO.MI Yearly Revenue VS Estimates1BRO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B
1BRO.MI Yearly EPS VS Estimates1BRO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 26.17 indicates a quite expensive valuation of 1BRO.
  • Based on the Price/Earnings ratio, 1BRO is valued expensively inside the industry as 82.50% of the companies are valued cheaper.
  • When comparing the Price/Earnings ratio of 1BRO to the average of the S&P500 Index (28.06), we can say 1BRO is valued inline with the index average.
  • The Price/Forward Earnings ratio is 22.45, which indicates a rather expensive current valuation of 1BRO.
  • 1BRO's Price/Forward Earnings ratio is rather expensive when compared to the industry. 1BRO is more expensive than 87.50% of the companies in the same industry.
  • 1BRO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.86.
Industry RankSector Rank
PE 26.17
Fwd PE 22.45
1BRO.MI Price Earnings VS Forward Price Earnings1BRO.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1BRO is on the same level as its industry peers.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1BRO indicates a slightly more expensive valuation: 1BRO is more expensive than 72.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 23.27
EV/EBITDA 18.84
1BRO.MI Per share data1BRO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1BRO does not grow enough to justify the current Price/Earnings ratio.
  • The excellent profitability rating of 1BRO may justify a higher PE ratio.
PEG (NY)2.57
PEG (5Y)1.17
EPS Next 2Y10.14%
EPS Next 3Y9.49%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • 1BRO has a yearly dividend return of 0.55%, which is pretty low.
  • With a Dividend Yield of 0.55, 1BRO pays less dividend than the industry average, which is at 4.23. 92.50% of the companies listed in the same industry pay a better dividend than 1BRO!
  • Compared to an average S&P500 Dividend Yield of 1.80, 1BRO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.55%

5.2 History

  • On average, the dividend of 1BRO grows each year by 10.65%, which is quite nice.
Dividend Growth(5Y)10.65%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 15.60% of the earnings are spent on dividend by 1BRO. This is a low number and sustainable payout ratio.
  • 1BRO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.6%
EPS Next 2Y10.14%
EPS Next 3Y9.49%
1BRO.MI Yearly Income VS Free CF VS Dividend1BRO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1BRO.MI Dividend Payout.1BRO.MI Dividend Payout, showing the Payout Ratio.1BRO.MI Dividend Payout.PayoutRetained Earnings

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BROWN & BROWN INC

BIT:1BRO (6/11/2025, 7:00:00 PM)

90.82

+90.82 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-28
Earnings (Next)07-21
Inst Owners79.64%
Inst Owner ChangeN/A
Ins Owners15.6%
Ins Owner ChangeN/A
Market Cap26.03B
Revenue(TTM)4.95B
Net Income(TTM)1.02B
Analysts70
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.55%
Yearly Dividend0.47
Dividend Growth(5Y)10.65%
DP15.6%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.47%
Min EPS beat(2)-2.08%
Max EPS beat(2)11.02%
EPS beat(4)3
Avg EPS beat(4)4.17%
Min EPS beat(4)-2.08%
Max EPS beat(4)11.02%
EPS beat(8)7
Avg EPS beat(8)7.38%
EPS beat(12)10
Avg EPS beat(12)4.5%
EPS beat(16)14
Avg EPS beat(16)5.81%
Revenue beat(2)1
Avg Revenue beat(2)1.76%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)4.5%
Revenue beat(4)3
Avg Revenue beat(4)1.55%
Min Revenue beat(4)-0.99%
Max Revenue beat(4)4.5%
Revenue beat(8)7
Avg Revenue beat(8)2.23%
Revenue beat(12)9
Avg Revenue beat(12)1.8%
Revenue beat(16)13
Avg Revenue beat(16)1.77%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 26.17
Fwd PE 22.45
P/S 6.05
P/FCF 23.27
P/OCF 21.81
P/B 4.39
P/tB N/A
EV/EBITDA 18.84
EPS(TTM)3.47
EY3.82%
EPS(NY)4.05
Fwd EY4.45%
FCF(TTM)3.9
FCFY4.3%
OCF(TTM)4.16
OCFY4.58%
SpS15
BVpS20.67
TBVpS-9.43
PEG (NY)2.57
PEG (5Y)1.17
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 6.08%
ROE 14.94%
ROCE 12.89%
ROIC 9.85%
ROICexc 10.44%
ROICexgc 94.83%
OM 30.8%
PM (TTM) 20.58%
GM N/A
FCFM 26.01%
ROA(3y)5.35%
ROA(5y)5.42%
ROE(3y)14.98%
ROE(5y)14.21%
ROIC(3y)9.07%
ROIC(5y)8.85%
ROICexc(3y)9.73%
ROICexc(5y)9.73%
ROICexgc(3y)222.79%
ROICexgc(5y)196.94%
ROCE(3y)11.87%
ROCE(5y)11.58%
ROICexgc growth 3Y-5.47%
ROICexgc growth 5Y1.96%
ROICexc growth 3Y0.09%
ROICexc growth 5Y3.73%
OM growth 3Y2.76%
OM growth 5Y4.78%
PM growth 3Y2.76%
PM growth 5Y4.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 2.95
Debt/EBITDA 2.12
Cap/Depr 37.07%
Cap/Sales 1.74%
Interest Coverage 250
Cash Conversion 78.2%
Profit Quality 126.4%
Current Ratio 1.2
Quick Ratio 1.2
Altman-Z 3.01
F-Score4
WACC9.26%
ROIC/WACC1.06
Cap/Depr(3y)32.9%
Cap/Depr(5y)36.11%
Cap/Sales(3y)1.6%
Cap/Sales(5y)1.8%
Profit Quality(3y)115.6%
Profit Quality(5y)123.95%
High Growth Momentum
Growth
EPS 1Y (TTM)28.3%
EPS 3Y20.59%
EPS 5Y22.36%
EPS Q2Q%13.16%
EPS Next Y10.18%
EPS Next 2Y10.14%
EPS Next 3Y9.49%
EPS Next 5YN/A
Revenue 1Y (TTM)12.54%
Revenue growth 3Y16.34%
Revenue growth 5Y14.97%
Sales Q2Q%11.61%
Revenue Next Year10.74%
Revenue Next 2Y10.45%
Revenue Next 3Y9.83%
Revenue Next 5Y7.67%
EBIT growth 1Y17.89%
EBIT growth 3Y19.55%
EBIT growth 5Y20.47%
EBIT Next Year20.63%
EBIT Next 3Y11.94%
EBIT Next 5Y10.16%
FCF growth 1Y64.45%
FCF growth 3Y12.65%
FCF growth 5Y12.53%
OCF growth 1Y64.04%
OCF growth 3Y13.23%
OCF growth 5Y11.6%

BROWN & BROWN INC / 1BRO.MI FAQ

Can you provide the ChartMill fundamental rating for BROWN & BROWN INC?

ChartMill assigns a fundamental rating of 6 / 10 to 1BRO.MI.


Can you provide the valuation status for BROWN & BROWN INC?

ChartMill assigns a valuation rating of 2 / 10 to BROWN & BROWN INC (1BRO.MI). This can be considered as Overvalued.


Can you provide the profitability details for BROWN & BROWN INC?

BROWN & BROWN INC (1BRO.MI) has a profitability rating of 8 / 10.


What are the PE and PB ratios of BROWN & BROWN INC (1BRO.MI) stock?

The Price/Earnings (PE) ratio for BROWN & BROWN INC (1BRO.MI) is 26.17 and the Price/Book (PB) ratio is 4.39.


Can you provide the expected EPS growth for 1BRO stock?

The Earnings per Share (EPS) of BROWN & BROWN INC (1BRO.MI) is expected to grow by 10.18% in the next year.