Brown & Brown, Inc. (BRO)
Brown & Brown is a long-standing American insurance brokerage that helps businesses and individuals find the right insurance policies for their needs.
Is Brown & Brown, Inc. a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Established business model with a long history. Worth weighing: Modest dividend yield compared to some other mature companies. Below, we lay out what it does, what its numbers mean, and the honest risks, so you can decide for yourself.
Over about 2 years to 2026-07-31. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Brown & Brown, Inc. actually fallen?
Over the last 2 years of daily prices, Brown & Brown, Inc. fell as much as −56% from a high to a later low. Drops of this size are a normal part of owning a share - worth knowing in advance, so a dip doesn't come as a shock.
Worst peak-to-trough fall in the daily closing price over the period we hold. Past falls are not a forecast - it can fall further, or recover.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
Dominant market share gains and improved efficiency.
Significant regulatory changes impacting the brokerage model.
What does Brown & Brown, Inc. do?
Think of Brown & Brown as a professional middleman that connects people and companies with insurance providers. They don't actually pay out the claims themselves; instead, they earn their keep by charging commissions and fees for arranging and managing these insurance contracts. Their ability to keep growing the client base and managing costs in a competitive insurance market is what really counts.
On our factor screen it looks strongest on income and value, and weakest on momentum.
- ✓Pays a dividend - about 0.9% a year
- ✓Growing - revenue up about 32% over the year
- ✓Very profitable - turns about 18% of sales into profit
- Established business model with a long history
- Acts as a middleman, avoiding the direct risk of paying out insurance claims
- Diversified client base across many industries
- Intense competition from other large insurance brokers
- Potential for regulatory changes that could cap commission fees
- Economic downturns leading to businesses cutting back on insurance coverage
What do Brown & Brown, Inc.'s numbers mean?
How much money does Brown & Brown, Inc. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Brown & Brown, Inc. pay a dividend?
Yes - Brown & Brown, Inc. currently pays a dividend of about 0.9% a year (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it.
What do the numbers say about Brown & Brown, Inc.'s dividend?
There's no rating here, and we don't judge whether the dividend will continue - that would be advice. Here are the figures income investors usually look at, and what each one means, so you can weigh it up yourself.
Figures are from the latest available data and can be distorted by one-off results. Past payments don't predict future ones, and a dividend can be cut at any time. This lays out the numbers to help you understand them - it is not a view on what will happen.
When does Brown & Brown, Inc. report earnings, and how did recent quarters go?
Brown & Brown, Inc. is next scheduled to report on about 2026-10-26 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-27 | $1.07 | $1.07 | In line |
| 2026-04-27 | $1.36 | $1.39 | Beat +2% |
| 2026-01-26 | $0.90 | $0.93 | Beat +3% |
| 2025-10-27 | $0.93 | $1.05 | Beat +13% |
| 2025-07-28 | $0.99 | $1.03 | Beat +5% |
| 2025-04-28 | $1.30 | $1.29 | In line |
Across the last 6 quarters here, Brown & Brown, Inc. came in ahead of what analysts expected 4 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Financial Services
What are the scenarios for Brown & Brown, Inc.?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Brown & Brown, Inc.?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Established business model with a long history
- Acts as a middleman, avoiding the direct risk of paying out insurance claims
- Diversified client base across many industries
- Modest dividend yield: The yearly dividend as a percentage of the share price - roughly the income you'd earn from dividends alone. compared to some other mature companies
- Recent share price volatility
- Highly dependent on the health of the broader economy
- Intense competition from other large insurance brokers
- Potential for regulatory changes that could cap commission fees
- Economic downturns leading to businesses cutting back on insurance coverage
The write-up's own warning lights — if these start happening, the case above changes.
- A major shift in how insurance is sold that bypasses brokers entirely
- A sustained period of declining profit margins
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.