BRO

SELL

Brown & Brown, Inc.

Financial Services · Rank #210 · Analyzed Oct 18, 2026

$69.40

Current Price

$48.01

Intrinsic Value

-30.8%

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 30.8%

Fair Value Range

Low$33.61

Base (IV)$48.01

High$57.61

Entry Points

Conservative$23.53

Moderate$33.61

Aggressive$33.61

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity10.0% → 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 Margins18.1% → 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.