BRO · NYSE · STOCK
Brown & Brown (BRO) Stock Analysis
$73.57
52W $53.81 – $97.49
53/100
$24.97B
20.6
0.58
Is BRO Bullish or Bearish?
Mixed.
Innellis AI committee rates Brown & Brown (BRO) Watch with a composite score of 53/100
, based on 4 analysts with 50% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.19 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.81 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 25, 2026
Overall Committee Score
53/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 83%
of 211 Financial Services peers
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score weakened from 58.8 to 52.8.
- Recommendation changed from Buy to Watch.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 60% to 50%.
- Bullish support removed: 1 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bullish->bearish; score 60->35 (-25).
- Value Analyst abstained (was neutral at 58).
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
72.5
Overbought
MACD Histogram
0.047
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$69.15
Resistance
$76.25
Bollinger %B
1.00
Inside Bands
Price vs Moving Averages
EMA 9
$71.95
Above
EMA 21
$70.89
Above
EMA 50
$68.43
Above
EMA 200
$71.92
Above
Fundamental Analysis
Valuation
57
Growth
46
Profitability
66
Financial Health
60
Cash Flow
70
Valuation
P/E Ratio
20.6×
P/B Ratio
1.97×
PEG Ratio
7.26
Dividend Yield
0.88%
52W High
$97.49
52W Low
$53.81
Quality & Growth
ROE
840.0%
ROA
351.4%
Gross Margin
5901.9%
Operating Margin
2847.3%
Revenue Growth YoY
—
Debt / Equity
0.64
AI Fundamental Assessment
P/E ratio of 20.6 (inexpensive relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of 7.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.4%; Return on assets of 3.5%; Net margin of 17.6%; Gross margin of 59.0%; Current ratio of 1.13 (tight short-term liquidity); Debt-to-equity of 0.64; Free cash flow per share is positive (4.49); Most recent quarter missed estimates by 2.1%; EPS growth decelerating (+49.5% -> -23.0% QoQ); Average YoY EPS growth of 3.9%; Analyst estimates rising over recent quarters
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