Brown & Brown Inc (BRO) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Brown & Brown Inc (BRO) scores 7.1 out of 10 as of , computed from its reported financial statements. That reads as high quality. The reading rests on efficiency, and profitability is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Brown & Brown Inc’s returns on capital beat their cost in almost every measured year, by a clear margin: 4 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for BRO stands at 7.1 out of 10 as of October 16, 2026, which puts Brown & Brown Inc in the high quality band. Businesses in this band tend to combine good returns with a sound balance sheet, even if one pillar lags the others. It rolls Brown & Brown Inc’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Ranked with the 261 Financials companies Lemma publishes, the score sits at the 84th percentile, among the stronger quarter of the group. A typical company in the group scores 5.9, and the best quarter starts from 6.8. Brown & Brown Inc is above that typical reading.
On profitability, Brown & Brown Inc scores 5.6, an average reading. Its peers have a median of 6.8 across 255 Financials companies, which places it below them, at the 29th percentile. Profitability in the middle of the range is neither a moat nor a warning: margins and returns look like those of an ordinary business in this line of work.
On solvency, Brown & Brown Inc scores 6.2, an average reading. Its peers have a median of 8.5 across 140 Financials companies, which places it well below them, at the 20th percentile. An average solvency reading suggests debt is present but manageable, the normal state for a company that borrows to fund its operations.
Brown & Brown Inc’s growth score is 7.0 out of 10 (strong). Against a median of 4.6 among 241 Financials companies, that is well above the group and the 83rd percentile. Strong growth means revenue, earnings and cash flow have been compounding faster than at most peers over the last few years.
Efficiency scores 9.4 out of 10, which reads as strong. The median across 211 Financials companies is 5.8, so Brown & Brown Inc is well above its peers on this pillar and ranks at the 84th percentile. Efficiency at this level means the company needs comparatively little capital to produce what it sells.
Brown & Brown Inc’s predictability score is 8.1 out of 10 (strong). Against a median of 4.9 among 256 Financials companies, that is well above the group and the 96th percentile. Steady results like these are what make a long term view of the business easier to hold.
The gap between Brown & Brown Inc’s best and worst pillar is wide: efficiency at 9.4 against profitability at 5.6, 3.8 points apart. An average of two readings this different deserves a closer look than the headline number. Leading with efficiency points to disciplined use of capital, a strength that compounds quietly. Weak profitability can be cyclical, so it helps to know whether margins are at a low point or a long-run level.
Of everything that could lift Brown & Brown Inc’s score, solvency matters most. Bringing it up to the 8.5 median of Financials companies would take the overall from 7.1 to roughly 7.6. The weights add up to 100 points (profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and Brown & Brown Inc has a reading on every pillar.
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to Brown & Brown Inc by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Brown & Brown Inc scores 7.1 out of 10, which reads as high quality. Its strongest pillar is efficiency, its weakest is profitability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Brown & Brown Inc ranks at the 84th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Brown & Brown Inc’s 7.1.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for BRO are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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