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

BIT:1BRO • US1152361010

Current stock price

58.02 EUR
-32.8 (-36.12%)
Last:

This 1BRO.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. 1BRO.MI Profitability Analysis

1.1 Basic Checks

  • 1BRO had positive earnings in the past year.
  • 1BRO had a positive operating cash flow in the past year.
  • 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 2025 500M 1B 1.5B

1.2 Ratios

  • 1BRO has a Return On Assets of 3.47%. This is in the better half of the industry: 1BRO outperforms 68.89% of its industry peers.
  • The Return On Equity of 1BRO (8.30%) is worse than 68.89% of its industry peers.
  • 1BRO's Return On Invested Capital of 6.04% is amongst the best of the industry. 1BRO outperforms 91.11% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1BRO is significantly above the industry average of 2.62%.
Industry RankSector Rank
ROA 3.47%
ROE 8.3%
ROIC 6.04%
ROA(3y)4.94%
ROA(5y)5.08%
ROE(3y)12.99%
ROE(5y)13.39%
ROIC(3y)8.52%
ROIC(5y)8.58%
1BRO.MI Yearly ROA, ROE, ROIC1BRO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 17.64%, 1BRO belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1BRO has remained more or less at the same level.
  • 1BRO has a better Operating Margin (28.72%) than 93.33% of its industry peers.
  • 1BRO's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 28.72%
PM (TTM) 17.64%
GM N/A
OM growth 3Y1.76%
OM growth 5Y2.11%
PM growth 3Y-1.42%
PM growth 5Y-0.15%
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 2025 10 20 30

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4

2. 1BRO.MI Health Analysis

2.1 Basic Checks

  • 1BRO has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, 1BRO has more shares outstanding
  • 1BRO has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1BRO has a worse debt to assets ratio.
1BRO.MI Yearly Shares Outstanding1BRO.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
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 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • 1BRO has an Altman-Z score of 1.52. This is a bad value and indicates that 1BRO is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.52, 1BRO belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
  • 1BRO has a debt to FCF ratio of 5.51. This is a neutral value as 1BRO would need 5.51 years to pay back of all of its debts.
  • 1BRO has a Debt to FCF ratio of 5.51. This is in the lower half of the industry: 1BRO underperforms 68.89% 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 of 0.55. This is comparable to the rest of the industry: 1BRO outperforms 57.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.51
Altman-Z 1.52
ROIC/WACC0.76
WACC7.99%
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 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • 1BRO has a Current Ratio of 1.04. This is a normal value and indicates that 1BRO is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of 1BRO (1.04) is better than 86.67% of its industry peers.
  • A Quick Ratio of 1.04 indicates that 1BRO should not have too much problems paying its short term obligations.
  • 1BRO has a better Quick ratio (1.04) than 86.67% of its industry peers.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
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 2025 2B 4B 6B 8B

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

6

3. 1BRO.MI Growth Analysis

3.1 Past

  • 1BRO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.98%, which is quite good.
  • The Earnings Per Share has been growing by 20.54% on average over the past years. This is a very strong growth
  • 1BRO shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.83%.
  • The Revenue has been growing by 17.70% on average over the past years. This is quite good.
EPS 1Y (TTM)11.98%
EPS 3Y23.37%
EPS 5Y20.54%
EPS Q2Q%8.14%
Revenue 1Y (TTM)22.83%
Revenue growth 3Y18.21%
Revenue growth 5Y17.7%
Sales Q2Q%35.73%

3.2 Future

  • Based on estimates for the next years, 1BRO will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.05% on average per year.
  • The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y6.31%
EPS Next 2Y8.14%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y13.5%
Revenue Next 3Y10.35%
Revenue Next 5Y3.68%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 8B
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 2028 1 2 3 4 5

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2

4. 1BRO.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.81 indicates a correct valuation of 1BRO.
  • 68.89% of the companies in the same industry are cheaper than 1BRO, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.54. 1BRO is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 14.87 indicates a correct valuation of 1BRO.
  • Based on the Price/Forward Earnings ratio, 1BRO is valued a bit more expensive than the industry average as 71.11% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of 1BRO to the average of the S&P500 Index (21.68), we can say 1BRO is valued slightly cheaper.
Industry RankSector Rank
PE 15.81
Fwd PE 14.87
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

  • 1BRO's Enterprise Value to EBITDA is on the same level as the industry average.
  • 1BRO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1BRO is more expensive than 62.22% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.7
EV/EBITDA 14.36
1BRO.MI Per share data1BRO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of 1BRO may justify a higher PE ratio.
PEG (NY)2.51
PEG (5Y)0.77
EPS Next 2Y8.14%
EPS Next 3Y8.05%

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3

5. 1BRO.MI Dividend Analysis

5.1 Amount

  • 1BRO has a yearly dividend return of 0.98%, which is pretty low.
  • With a Dividend Yield of 0.98, 1BRO pays less dividend than the industry average, which is at 4.46. 84.44% of the companies listed in the same industry pay a better dividend than 1BRO!
  • With a Dividend Yield of 0.98, 1BRO pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.98%

5.2 History

  • The dividend of 1BRO is nicely growing with an annual growth rate of 11.74%!
Dividend Growth(5Y)11.74%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1BRO pays out 18.54% of its income as dividend. This is a sustainable payout ratio.
  • 1BRO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP18.54%
EPS Next 2Y8.14%
EPS Next 3Y8.05%
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 2025 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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1BRO.MI Fundamentals: All Metrics, Ratios and Statistics

BROWN & BROWN INC

BIT:1BRO (4/17/2026, 7:00:00 PM)

58.02

-32.8 (-36.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength3.73
Industry Growth86.34
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners83.18%
Inst Owner ChangeN/A
Ins Owners13.14%
Ins Owner ChangeN/A
Market Cap19.70B
Revenue(TTM)5.90B
Net Income(TTM)1.04B
Analysts65.83
Price Target69.16 (19.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.98%
Yearly Dividend0.53
Dividend Growth(5Y)11.74%
DP18.54%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.52%
Min EPS beat(2)2.26%
Max EPS beat(2)10.78%
EPS beat(4)3
Avg EPS beat(4)3.5%
Min EPS beat(4)-2.08%
Max EPS beat(4)10.78%
EPS beat(8)7
Avg EPS beat(8)5.02%
EPS beat(12)11
Avg EPS beat(12)6.41%
EPS beat(16)14
Avg EPS beat(16)4.52%
Revenue beat(2)1
Avg Revenue beat(2)0.27%
Min Revenue beat(2)-3.54%
Max Revenue beat(2)4.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-3.54%
Max Revenue beat(4)4.08%
Revenue beat(8)5
Avg Revenue beat(8)1.07%
Revenue beat(12)9
Avg Revenue beat(12)1.79%
Revenue beat(16)11
Avg Revenue beat(16)1.38%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-1.46%
EPS NQ rev (3m)-1.46%
EPS NY rev (1m)-1.87%
EPS NY rev (3m)-1.87%
Revenue NQ rev (1m)28.1%
Revenue NQ rev (3m)28.1%
Revenue NY rev (1m)23.79%
Revenue NY rev (3m)23.79%
Valuation
Industry RankSector Rank
PE 15.81
Fwd PE 14.87
P/S 3.91
P/FCF 16.7
P/OCF 15.91
P/B 1.84
P/tB N/A
EV/EBITDA 14.36
EPS(TTM)3.67
EY6.33%
EPS(NY)3.9
Fwd EY6.73%
FCF(TTM)3.48
FCFY5.99%
OCF(TTM)3.65
OCFY6.28%
SpS14.84
BVpS31.55
TBVpS-18.72
PEG (NY)2.51
PEG (5Y)0.77
Graham Number51.0411 (-12.03%)
Profitability
Industry RankSector Rank
ROA 3.47%
ROE 8.3%
ROCE 7.81%
ROIC 6.04%
ROICexc 6.36%
ROICexgc 209.81%
OM 28.72%
PM (TTM) 17.64%
GM N/A
FCFM 23.42%
ROA(3y)4.94%
ROA(5y)5.08%
ROE(3y)12.99%
ROE(5y)13.39%
ROIC(3y)8.52%
ROIC(5y)8.58%
ROICexc(3y)9.08%
ROICexc(5y)9.31%
ROICexgc(3y)239.08%
ROICexgc(5y)209.68%
ROCE(3y)11.01%
ROCE(5y)11.09%
ROICexgc growth 3Y7.45%
ROICexgc growth 5Y5.82%
ROICexc growth 3Y-9.73%
ROICexc growth 5Y-6.83%
OM growth 3Y1.76%
OM growth 5Y2.11%
PM growth 3Y-1.42%
PM growth 5Y-0.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.51
Debt/EBITDA 3.34
Cap/Depr 18.53%
Cap/Sales 1.15%
Interest Coverage 5.97
Cash Conversion 70.32%
Profit Quality 132.76%
Current Ratio 1.04
Quick Ratio 1.04
Altman-Z 1.52
F-Score3
WACC7.99%
ROIC/WACC0.76
Cap/Depr(3y)29.64%
Cap/Depr(5y)29.33%
Cap/Sales(3y)1.49%
Cap/Sales(5y)1.48%
Profit Quality(3y)117.85%
Profit Quality(5y)122.47%
High Growth Momentum
Growth
EPS 1Y (TTM)11.98%
EPS 3Y23.37%
EPS 5Y20.54%
EPS Q2Q%8.14%
EPS Next Y6.31%
EPS Next 2Y8.14%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue 1Y (TTM)22.83%
Revenue growth 3Y18.21%
Revenue growth 5Y17.7%
Sales Q2Q%35.73%
Revenue Next Year20.57%
Revenue Next 2Y13.5%
Revenue Next 3Y10.35%
Revenue Next 5Y3.68%
EBIT growth 1Y15.62%
EBIT growth 3Y20.29%
EBIT growth 5Y20.18%
EBIT Next Year47.25%
EBIT Next 3Y18.53%
EBIT Next 5Y10.01%
FCF growth 1Y26.56%
FCF growth 3Y18.58%
FCF growth 5Y16.25%
OCF growth 1Y23.51%
OCF growth 3Y18.05%
OCF growth 5Y14.98%

BROWN & BROWN INC / 1BRO.MI Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 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.


What is the profitability of 1BRO stock?

BROWN & BROWN INC (1BRO.MI) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for 1BRO stock?

The Price/Earnings (PE) ratio for BROWN & BROWN INC (1BRO.MI) is 15.81 and the Price/Book (PB) ratio is 1.84.


How sustainable is the dividend of BROWN & BROWN INC (1BRO.MI) stock?

The dividend rating of BROWN & BROWN INC (1BRO.MI) is 3 / 10 and the dividend payout ratio is 18.54%.