BRO

SELL

Brown & Brown, Inc.

Financial Services · Rank #207 · Analyzed Jul 13, 2026

$67.66

Current Price

$47.50

Intrinsic Value

-29.8%

Upside/Downside

3/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus0/2 methods agree

Quality Score3/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 29.8%

Fair Value Range

Low$33.25

Base (IV)$47.50

High$57.01

Entry Points

Conservative$23.28

Moderate$33.25

Aggressive$33.25

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity11.9% → 0.5/1.0

Debt LevelD/E 64 → 0/1.0

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

Moat Strength3.5/5 → 0.5/1.0

Profit Margins18.4% → 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.