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BRO

Brown & Brown, Inc.

Brown & Brown, Inc. is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in Daytona Beach, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $5.9 billion and a profit of $1.0 billion (its filed statements).

Brokerage business Insurance Agents, Brokers & Service Daytona Beach, FL filings since 1994 9 of 9 filed
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Sector peers: WTWAONMRSHAJG

6.3/10headline grade
vs its business-model standard
6.7/10past 6.4/10present 5.8/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 6.3 out of ten, 9 of 9 metrics filed: past 6.7 out of ten, present 6.4 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2017. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 7.0 out of ten. +14.3% a year over 10 filed years; profitable in 10 of 10. 70th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 5.4 out of ten. Share count grew 3.9% a year. 16% of cash flow returned. Insiders: 0 sales, 2 purchases. 54th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 4.7 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 58%: owes 58¢ per asset dollar. 47th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 7.5 out of ten. top 25% of 30 in its family; net margin 17.9%. 75th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 6.7 out of ten. top 33% of 21 in its family for leadership; chief executive since 2009. 67th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 5.0 out of ten. top 50% of 29 in its family for room to expand. 50th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 7.4 out of ten. top 26% of 29 in its family for growth drivers. 74th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 4.9 out of ten. bottom 49% of 25 in its family for expectations against reality. 49th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-27 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 (on EDGAR). Newest filing: Form 4, 2026-09-23. Filings on record since 1994. Read from EDGAR 2026-10-12.

Where the revenue comes from

By geography: United States 86%, United Kingdom 10%, Other Country 4%. As tagged in its annual report (Form 10-K, filed 2026-02-12).

Who runs it

Brown, J Powell (President and CEO); Walker, Chris L (EVP/Chair Spec Dist Segment); Brown, Hyatt J (Chairman); Brown, P Barrett (Executive Vice President); Watts, R. Andrew (EVP, CFO and Treasurer); Hearn, Stephen Patrick (EVP, COO, Pres Retail Segment); Penny, Jerome Scott (EVP Chief Acquisitions Officer); Turpin, Julie (EVP/Chief People Officer); Boyd, Stephen M (EVP/Pres Spec Dist Segment); Gallagher, Paul M. (VP, Controller & CAO); and 12 more. 22 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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