Market Price

28.85 

0.65 2.3%

as of Oct 19 '18

52 Week Range:

24.28 31.55


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Brown & Brown, Inc. markets and sells insurance products in the United States, England, Canada, Bermuda, and the Cayman Islands. Its Retail segment offers property insurance relating to physical damage to property and resultant interruption of business, or extra expense caused by fire, windstorm, or other perils; casualty insurance relating to legal liabilities, professional liability, cyber-liability, workers' compensation, and commercial and private passenger automobile coverages; fidelity and surety bonds; and life, accident, disability, health, hospitalization, medical, dental, and other ancillary insurance products, as well as risk management, loss control surveys and analysis, consultation, and claims processing services. Its National Programs segment offers professional liability and related package insurance products for dentists, oral surgeons, hygienists, lawyers, certified public accountants, optometrists, opticians, ophthalmologists, insurance agents, financial advisors, registered representatives, securities broker-dealers, benefit administrators, real estate brokers and title agents, and escrow agents, as well as supplementary insurance products related to weddings, events, medical facilities, and cyber liabilities. This segment also offers outsourced product development, marketing, underwriting, actuarial, compliance, and claims and other administrative services to insurance carrier partners; and commercial and public entity-related programs, and flood insurance products. Its Wholesale Brokerage segment markets and sells excess and surplus commercial insurance products to retail insurance agencies. Its Services segment offers third-party claims administration and medical utilization management services in the workers' compensation and all-lines liability arenas, Medicare Set-aside, Social Security disability, Medicare benefits advocacy, and claims adjusting services. The company was founded in 1939 and is headquartered in Daytona Beach, Florida.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 7.80
4.39
4.82
5.27
5.64
6.28
6.76
7.34
7.86
8.30
8.99
growth rate -43.7% 9.8% 9.3% 7.0% 11.4% 7.6% 8.6% 7.1% 5.6% 8.3%
Earnings BIT 311.53
272.50
254.75
266.10
270.52
304.81
357.61
417.18
440.63
467.03
471.00
growth rate -12.5% -6.5% 4.5% 1.7% 12.7% 17.3% 16.7% 5.6% 6.0% 0.9%
Avg.PE 17.39
17.79
16.13
20.62
19.34
19.65
20.62
22.58
19.78
23.96
18.75
growth rate 2.3% -9.3% 27.8% -6.2% 1.6% 4.9% 9.5% -12.4% 21.1% -21.7%
ROA 10.13
8.14
6.83
6.99
6.35
6.23
6.25
4.69
4.77
4.87
7.07
growth rate -19.6% -16.1% 2.3% -9.2% -1.9% 0.3% -25.0% 1.7% 2.1% 45.2%
ROE 18.84
14.20
11.36
11.25
10.09
10.36
11.10
9.79
11.15
11.12
15.78
growth rate -24.6% -20.0% -1.0% -10.3% 2.7% 7.1% -11.8% 13.9% -0.3% 41.9%
ROIC 15.89
12.34
10.01
10.05
9.17
9.08
9.34
7.55
7.90
8.16
12.13
growth rate -22.3% -18.9% 0.4% -8.8% -1.0% 2.9% -19.2% 4.6% 3.3% 48.7%
Cur. Ratio 1.06
1.00
1.28
1.39
1.47
1.34
1.02
1.24
1.16
1.22
1.13
growth rate -5.7% 28.0% 8.6% 5.8% -8.8% -23.9% 21.6% -6.5% 5.2% -7.4%
Quick Ratio 0.51
0.63
0.86
1.05
1.11
0.93
0.67
0.72
0.69
0.77
0.82
growth rate 23.5% 36.5% 22.1% 5.7% -16.2% -28.0% 7.5% -4.2% 11.6% 6.5%
Leverage 1.79
1.71
1.62
1.59
1.59
1.73
1.82
2.34
2.33
2.24
2.23
growth rate -4.5% -5.3% -1.9% 0.0% 8.8% 5.2% 28.6% -0.4% -3.9% -0.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 244.52
209.46
214.45
240.26
302.73
395.92
437.58
465.85
580.57
1,024.22
growth rate -14.3% 2.4% 12.0% 26.0% 30.8% 10.5% 6.5% 24.6% 76.4%
Acct.Payable 450.35
534.82
725.92
625.45
638.65
717.16
749.34
growth rate 18.8% 35.7% -13.8% 2.1% 12.3% 4.5%
Cur.Assets 523.00
613.70
652.80
708.10
759.50
928.00
1,570.11
1,537.39
1,736.13
2,242.16
growth rate 17.3% 6.4% 8.5% 7.3% 22.2% 69.2% -2.1% 12.9% 29.2%
Total Assets 2,119.60
2,224.20
2,400.80
2,607.01
3,128.06
3,649.51
4,956.46
5,004.48
5,262.73
5,747.55
growth rate 4.9% 7.9% 8.6% 20.0% 16.7% 35.8% 1.0% 5.2% 9.2%
Cash 78.60
197.10
273.00
416.84
384.39
452.96
470.05
443.42
515.65
573.38
growth rate 150.8% 38.5% 52.7% -7.8% 17.8% 3.8% -5.7% 16.3% 11.2%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 522.60
479.00
470.20
481.60
567.80
906.90
1,269.15
1,328.55
1,445.16
1,987.47
growth rate -8.3% -1.8% 2.4% 17.9% 59.7% 39.9% 4.7% 8.8% 37.5%
Liabilities 877.80
854.40
894.50
963.05
1,320.73
1,642.37
2,842.71
2,854.70
2,902.52
3,164.85
growth rate -2.7% 4.7% 7.7% 37.1% 24.4% 73.1% 0.4% 1.7% 9.0%
LT Debt 227.71
253.60
250.20
250.10
578.36
856.80
1,014.36
1,152.85
1,071.62
1,018.37
856.14
growth rate 11.4% -1.3% 0.0% 131.3% 48.1% 18.4% 13.7% -7.1% -5.0% -15.9%
Equity 1,097.46
1,241.70
1,369.90
1,506.30
1,643.96
1,807.33
2,007.14
2,113.75
2,149.78
2,360.21
2,582.70
growth rate 13.1% 10.3% 10.0% 9.1% 9.9% 11.1% 5.3% 1.7% 9.8% 9.4%
Common Shares 136.00
274.00
275.00
279.00
281.00
284.00
285.00
286.00
280.00
276.00
278.00
growth rate 101.5% 0.4% 1.5% 0.7% 1.1% 0.4% 0.4% -2.1% -1.4% 0.7%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 30.64
9.50
10.00
8.90
13.61
24.03
16.37
24.92
18.38
17.77
24.19
growth rate -69.0% 5.3% -11.0% 52.9% 76.6% -31.9% 52.3% -26.3% -3.3% 36.2%
Cash Dividends 35.13
40.20
42.90
44.50
46.49
49.53
53.55
59.33
64.11
70.26
77.71
growth rate 14.4% 6.7% 3.7% 4.5% 6.5% 8.1% 10.8% 8.1% 9.6% 10.6%
Cash From OA 215.34
341.80
221.60
296.10
237.53
220.32
389.37
385.02
381.83
411.04
441.98
growth rate 58.7% -35.2% 33.6% -19.8% -7.3% 76.7% -1.1% -0.8% 7.7% 7.5%
FCF per Share 1.31
1.16
0.76
1.02
0.92
0.69
1.14
1.19
1.32
1.35
1.27
growth rate -11.5% -34.5% 34.2% -9.8% -25.0% 65.2% 4.4% 10.9% 2.3% -5.9%
Sale Purchase of Stock 8.01
4.34
11.16
14.81
15.89
15.98
17.42
growth rate -45.8% 157.1% 32.7% 7.3% 0.6% 9.0%
FCF 185.00
328.00
210.00
286.00
224.00
196.00
373.00
360.00
393.00
357.00
418.00
growth rate 77.3% -36.0% 36.2% -21.7% -12.5% 90.3% -3.5% 9.2% -9.2% 17.1%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 959.67
977.60
967.90
973.50
1,013.54
1,200.03
1,363.28
1,567.46
1,656.95
1,762.79
1,857.27
growth rate 1.9% -1.0% 0.6% 4.1% 18.4% 13.6% 15.0% 5.7% 6.4% 5.4%
Op.Income 272.50
254.80
266.10
164.00
184.05
217.11
417.18
440.63
467.03
471.00
growth rate -6.5% 4.4% -38.4% 12.2% 18.0% 92.2% 5.6% 6.0% 0.9%
IBT 272.50
254.80
266.10
270.52
304.81
357.61
339.75
402.56
423.50
449.72
growth rate -6.5% 4.4% 1.7% 12.7% 17.3% -5.0% 18.5% 5.2% 6.2%
Net Income 166.10
153.30
161.80
164.00
184.05
217.11
206.90
243.32
257.49
399.63
growth rate -7.7% 5.5% 1.4% 12.2% 18.0% -4.7% 17.6% 5.8% 55.2%
EPS 1.35
0.58
0.54
0.56
0.56
0.63
0.74
0.70
0.85
0.91
1.41
growth rate -57.0% -6.9% 3.7% 0.0% 12.5% 17.5% -5.4% 21.4% 7.1% 55.0%
Gross Profit 945.14
977.60
967.90
973.50
1,013.54
1,200.03
1,363.28
756.35
800.00
837.57
862.62
growth rate 3.4% -1.0% 0.6% 4.1% 18.4% 13.6% -44.5% 5.8% 4.7% 3.0%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 121.89
129.57
115.48
127.04
110.03
growth rate 6.3% -10.9% 10.0% -13.4%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 522.15
2,686.23
1,024.22
842.32
825.46
growth rate 414.5% -61.9% -17.8% -2.0%
Acct.Payable 810.13
716.91
749.34
821.00
913.77
growth rate -11.5% 4.5% 9.6% 11.3%
Cur.Assets 1,778.93
3,916.38
2,242.16
2,074.60
2,041.21
growth rate 120.2% -42.8% -7.5% -1.6%
Total Assets 5,279.01
7,414.28
5,747.55
5,615.08
5,701.56
growth rate 40.5% -22.5% -2.3% 1.5%
Cash 600.30
546.52
573.38
558.25
477.93
growth rate -9.0% 4.9% -2.6% -14.4%
Cur.Liabilities 1,419.54
3,631.51
1,987.47
1,634.63
1,656.71
growth rate 155.8% -45.3% -17.8% 1.4%
Liabilities 2,820.78
4,930.63
3,164.85
2,844.49
2,870.08
growth rate 74.8% -35.8% -10.1% 0.9%
LT Debt 965.39
860.74
856.14
851.55
841.96
growth rate -10.8% -0.5% -0.5% -1.1%
Equity 2,458.23
2,483.65
2,582.70
2,770.59
2,831.48
growth rate 1.0% 4.0% 7.3% 2.2%
Common Shares 14.83
14.88
14.88
28.70
28.71
growth rate 0.4% 0.0% 92.8% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 5.82
4.05
11.30
9.75
9.64
growth rate -30.4% 179.0% -13.7% -1.2%
Cash Dividends 18.94
18.96
20.91
20.70
20.72
growth rate 0.1% 10.3% -1.0% 0.1%
Cash From OA 180.06
43.49
128.41
79.48
197.93
growth rate -75.9% 195.3% -38.1% 149.0%
Sale Purchase of Stock 16.89
16.89
0.04
0.72
growth rate 0.0% -99.8% 1,957.1%
FCF 174.24
39.44
117.11
69.73
188.29
growth rate -77.4% 196.9% -40.5% 170.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 464.72
474.61
473.37
500.34
472.07
growth rate 2.1% -0.3% 5.7% -5.7%
Op.Income 121.89
129.57
115.48
127.04
110.03
growth rate 6.3% -10.9% 10.0% -13.4%
IBT 108.00
124.42
106.33
118.44
100.91
growth rate 15.2% -14.5% 11.4% -14.8%
Net Income 66.10
75.91
187.51
90.83
73.92
growth rate 14.8% 147.0% -51.6% -18.6%
EPS
growth rate
Gross Profit 220.21
228.55
215.16
229.44
220.11
growth rate 3.8% -5.9% 6.6% -4.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (71.09)

YOY Growth Grade:

D (47.34)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 20.09 19.14 22.42
EPS / Growth 7.4% 1.51 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.4% 8.5% 8.5%
Future PE 14.72 19.84 19.84
Future EPS 3.07 3.41 3.41
Value Price
MOS %
11.16
-61.3%
16.71
-42.1%
16.71
-42.1%
MOS Price 5.58 8.35 8.35
IRT 11.80 11.22 11.22

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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