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Intrinsic Value

The intrinsic value of Brown & Brown Inc (BRO) under the Base Case is 71.74 USD per share. Compared with the current market price of 72.81 USD, the stock appears Overvalued by 1% .

The intrinsic value is calculated using the DCF method. The model assumes Brown & Brown's revenue grows 26% in 2026, then slows, averaging 9.3% a year over the next five years versus 18% over the last five. Net margin stays near 21%, above its five-year average of 19%.

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BRO Intrinsic Value
$71.74
Overvaluation 1%
Intrinsic Value
Price $72.81

BRO is valued in line with its history. A premium of this size has been typical over the past 5 years.

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20% below Intrinsic Value $57.39
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Current Price $72.81
Intrinsic Value $71.74
Margin of Safety 20% $57.39
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Fundamental Analysis

What Brown & Brown Does

Insurance Financials

Brown & Brown is an insurance brokerage company, not an insurance carrier. It helps businesses and individuals buy property and casualty insurance, employee benefits coverage, and some personal insurance, and it also places specialty and wholesale insurance for harder-to-cover risks. In simple terms, it acts as a middleman and adviser between customers who need coverage and the insurers that provide it.

Headquarters
United States of America US
Employees
14 531
IPO date
Dec 8, 1997
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Brown & Brown has a narrow economic moat

No Moat Narrow Wide

Replacing a broker that already understands a customer's risks and coordinates its insurance and claims can take substantial work. Brown & Brown's involvement in these tasks gives customers with complex insurance needs a practical reason to stay rather than start again with a rival. This protection is strongest where its services are closely woven into customers' operations.

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Financials
Efficiency

Earnings Waterfall
Brown & Brown Inc

Wall St Price Targets

Capital Returns

Competitive Landscape

Ownership

BRO Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one BRO stock?

The intrinsic value for Brown & Brown Inc (BRO) under the Base Case is 71.74 USD.

Is BRO stock undervalued or overvalued?

Compared with the current market price of 72.81 USD, the stock appears Overvalued by 1% .

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