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: Brown & Brown is a long-standing American insurance brokerage that helps businesses and individuals find the right insurance policies for their needs.
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.
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.
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 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 2026-08-01 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.