BRO

SELL

Brown & Brown, Inc.

Financial Services · Rank #190 · Analyzed Apr 20, 2026

$67.72

Current Price

$48.83

Intrinsic Value

-13.5%

Upside/Downside

3/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 13.5%

Fair Value Range

Low$29.62

Base (IV)$48.83

High$58.59

Entry Points

Conservative$29.62

Moderate$39.22

Aggressive$48.83

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity11.2% → 0.5/1.0

Debt LevelD/E 63 → 0/1.0

Revenue QualityGrowth 22.0%, margin Δ+0.8% +recovery → 1.0/1.0

Moat Strength3.0/5 → 0.5/1.0

Profit Margins18.3% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.