Market Price

46.65 

0.19 0.4%

as of Oct 20 '20

52 Week Range:

30.70 48.69


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 and services in the United States, England, Canada, Bermuda, and the Cayman Islands. It operates through four segments: Retail, National Programs, Wholesale Brokerage, and Services. The Retail segment offers commercial packages, group medical, workers' compensation, property risk, and general liability insurance products; and group and individual life, accident, disability, health, hospitalization, medical, dental, and other ancillary insurance products, as well as risk management, loss control survey and analysis, consultancy, and claims processing services. It serves commercial, public and quasi-public entities, professional, and individual customers. The National Programs segment offers professional liability and related package insurance products for dentists, oral surgeons, hygienists, lawyers, optometrists, opticians, ophthalmologists, insurance agents, financial advisors, registered representatives, securities broker-dealers, benefit administrators, real estate 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. It serves through independent agents. The Wholesale Brokerage segment markets and sells excess and surplus commercial and personal lines insurance through independent agents and brokers. The 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 '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 4.82
5.27
5.64
6.28
6.76
7.34
7.86
8.30
8.99
10.51
11.77
growth rate 9.3% 7.0% 11.4% 7.6% 8.6% 7.1% 5.6% 8.3% 16.9% 12.0%
Earnings BIT 254.75
266.10
270.52
304.81
357.61
417.18
440.63
467.03
471.00
499.45
627.27
growth rate 4.5% 1.7% 12.7% 17.3% 16.7% 5.6% 6.0% 0.9% 6.0% 25.6%
Avg.PE 16.13
20.62
19.34
19.65
20.62
22.58
19.78
23.96
18.75
22.84
27.06
growth rate 27.8% -6.2% 1.6% 4.9% 9.5% -12.4% 21.1% -21.7% 21.8% 18.5%
ROA 6.83
6.99
6.35
6.23
6.25
4.69
4.77
4.87
7.07
5.40
5.39
growth rate 2.3% -9.2% -1.9% 0.3% -25.0% 1.7% 2.1% 45.2% -23.6% -0.2%
ROE 11.36
11.25
10.09
10.36
11.10
9.79
11.15
11.12
15.78
12.03
12.14
growth rate -1.0% -10.3% 2.7% 7.1% -11.8% 13.9% -0.3% 41.9% -23.8% 0.9%
ROIC 10.01
10.05
9.17
9.08
9.34
7.55
7.90
8.16
12.13
9.08
9.02
growth rate 0.4% -8.8% -1.0% 2.9% -19.2% 4.6% 3.3% 48.7% -25.1% -0.7%
Cur. Ratio 1.28
1.39
1.47
1.34
1.02
1.24
1.16
1.22
1.13
1.22
1.22
growth rate 8.6% 5.8% -8.8% -23.9% 21.6% -6.5% 5.2% -7.4% 8.0% 0.0%
Quick Ratio 0.86
1.05
1.11
0.93
0.67
0.72
0.69
0.77
0.82
0.76
0.76
growth rate 22.1% 5.7% -16.2% -28.0% 7.5% -4.2% 11.6% 6.5% -7.3% 0.0%
Leverage 1.62
1.59
1.59
1.73
1.82
2.34
2.33
2.24
2.23
2.23
2.28
growth rate -1.9% 0.0% 8.8% 5.2% 28.6% -0.4% -3.9% -0.5% 0.0% 2.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 209.46
214.45
240.26
302.73
395.92
437.58
465.85
580.57
1,024.22
910.21
1,001.34
growth rate 2.4% 12.0% 26.0% 30.8% 10.5% 6.5% 24.6% 76.4% -11.1% 10.0%
Acct.Payable 450.35
534.82
725.92
625.45
638.65
717.16
749.34
944.90
1,114.28
growth rate 18.8% 35.7% -13.8% 2.1% 12.3% 4.5% 26.1% 17.9%
Cur.Assets 613.70
652.80
708.10
759.50
928.00
1,570.11
1,537.39
1,736.13
2,242.16
2,167.31
2,494.80
growth rate 6.4% 8.5% 7.3% 22.2% 69.2% -2.1% 12.9% 29.2% -3.3% 15.1%
Total Assets 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
6,688.67
7,622.82
growth rate 7.9% 8.6% 20.0% 16.7% 35.8% 1.0% 5.2% 9.2% 16.4% 14.0%
Cash 197.10
273.00
416.84
384.39
452.96
470.05
443.42
515.65
573.38
438.96
542.17
growth rate 38.5% 52.7% -7.8% 17.8% 3.8% -5.7% 16.3% 11.2% -23.4% 23.5%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 479.00
470.20
481.60
567.80
906.90
1,269.15
1,328.55
1,445.16
1,987.47
1,782.99
2,045.36
growth rate -1.8% 2.4% 17.9% 59.7% 39.9% 4.7% 8.8% 37.5% -10.3% 14.7%
Liabilities 854.40
894.50
963.05
1,320.73
1,642.37
2,842.71
2,854.70
2,902.52
3,164.85
3,688.10
4,272.54
growth rate 4.7% 7.7% 37.1% 24.4% 73.1% 0.4% 1.7% 9.0% 16.5% 15.9%
LT Debt 250.20
250.10
578.36
856.80
1,014.36
1,152.85
1,071.62
1,018.37
856.14
1,456.99
1,500.34
growth rate 0.0% 131.3% 48.1% 18.4% 13.7% -7.1% -5.0% -15.9% 70.2% 3.0%
Equity 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
3,000.57
3,350.28
growth rate 10.0% 9.1% 9.9% 11.1% 5.3% 1.7% 9.8% 9.4% 16.2% 11.7%
Common Shares 275.00
279.00
281.00
284.00
285.00
286.00
280.00
276.00
278.00
276.00
275.00
growth rate 1.5% 0.7% 1.1% 0.4% 0.4% -2.1% -1.4% 0.7% -0.7% -0.4%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 10.00
8.90
13.61
24.03
16.37
24.92
18.38
17.77
24.19
41.52
73.11
growth rate -11.0% 52.9% 76.6% -31.9% 52.3% -26.3% -3.3% 36.2% 71.6% 76.1%
Cash Dividends 42.90
44.50
46.49
49.53
53.55
59.33
64.11
70.26
77.71
84.69
91.34
growth rate 3.7% 4.5% 6.5% 8.1% 10.8% 8.1% 9.6% 10.6% 9.0% 7.9%
Cash From OA 221.60
296.10
237.53
220.32
389.37
385.02
381.83
411.04
441.98
567.53
678.18
growth rate 33.6% -19.8% -7.3% 76.7% -1.1% -0.8% 7.7% 7.5% 28.4% 19.5%
FCF per Share 0.76
1.02
0.92
0.69
1.14
1.19
1.32
1.35
1.27
1.61
2.18
growth rate 34.2% -9.8% -25.0% 65.2% 4.4% 10.9% 2.3% -5.9% 26.8% 35.4%
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 210.00
286.00
224.00
196.00
373.00
360.00
393.00
357.00
418.00
526.00
605.00
growth rate 36.2% -21.7% -12.5% 90.3% -3.5% 9.2% -9.2% 17.1% 25.8% 15.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 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
2,009.86
2,384.74
growth rate 0.6% 4.1% 18.4% 13.6% 15.0% 5.7% 6.4% 5.4% 8.2% 18.7%
Op.Income 254.80
266.10
164.00
184.05
217.11
417.18
440.63
467.03
471.00
499.45
627.27
growth rate 4.4% -38.4% 12.2% 18.0% 92.2% 5.6% 6.0% 0.9% 6.0% 25.6%
IBT 254.80
266.10
270.52
304.81
357.61
339.75
402.56
423.50
449.72
462.46
525.93
growth rate 4.4% 1.7% 12.7% 17.3% -5.0% 18.5% 5.2% 6.2% 2.8% 13.7%
Net Income 153.30
161.80
164.00
184.05
217.11
206.90
243.32
257.49
399.63
344.26
398.51
growth rate 5.5% 1.4% 12.2% 18.0% -4.7% 17.6% 5.8% 55.2% -13.9% 15.8%
EPS 0.54
0.56
0.56
0.63
0.74
0.70
0.85
0.91
1.40
1.22
1.40
growth rate 3.7% 0.0% 12.5% 17.5% -5.4% 21.4% 7.1% 53.9% -12.9% 14.8%
Gross Profit 967.90
973.50
1,013.54
1,200.03
1,363.28
756.35
800.00
837.57
862.62
940.94
1,076.57
growth rate 0.6% 4.1% 18.4% 13.6% -44.5% 5.8% 4.7% 3.0% 9.1% 14.4%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT 188.45
201.05
-7.95
207.34
143.17
growth rate 6.7% -100.0% 100.0% -31.0%
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 991.25
1,205.40
1,001.34
1,033.68
1,126.11
growth rate 21.6% -16.9% 3.2% 8.9%
Acct.Payable 1,078.29
1,010.06
1,114.28
1,125.97
1,401.40
growth rate -6.3% 10.3% 1.1% 24.5%
Cur.Assets 2,291.55
2,606.94
2,494.80
2,283.84
2,704.98
growth rate 13.8% -4.3% -8.5% 18.4%
Total Assets 7,164.77
7,680.66
7,622.82
7,582.35
8,201.06
growth rate 7.2% -0.8% -0.5% 8.2%
Cash 432.55
497.51
542.17
385.79
623.24
growth rate 15.0% 9.0% -28.8% 61.6%
Cur.Liabilities 1,907.11
2,148.92
2,045.36
1,890.62
2,258.28
growth rate 12.7% -4.8% -7.6% 19.5%
Liabilities 3,984.14
4,366.14
4,272.54
4,102.50
4,617.54
growth rate 9.6% -2.1% -4.0% 12.6%
LT Debt 1,426.78
1,513.56
1,500.34
1,483.36
1,566.41
growth rate 6.1% -0.9% -1.1% 5.6%
Equity 3,180.63
3,314.52
3,350.28
3,479.84
3,583.52
growth rate 4.2% 1.1% 3.9% 3.0%
Common Shares 29.58
29.71
29.71
29.89
29.92
growth rate 0.5% 0.0% 0.6% 0.1%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 11.99
12.18
25.75
16.46
19.48
growth rate 1.6% 111.3% -36.1% 18.4%
Cash Dividends 22.53
22.55
23.91
23.90
24.08
growth rate 0.1% 6.0% 0.0% 0.8%
Cash From OA 300.35
141.42
231.06
33.82
382.88
growth rate -52.9% 63.4% -85.4% 1,032.2%
Sale Purchase of Stock
growth rate
FCF 288.36
129.23
205.31
17.36
363.40
growth rate -55.2% 58.9% -91.5% 1,993.5%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 572.93
617.36
576.98
696.50
598.16
growth rate 7.8% -6.5% 20.7% -14.1%
Op.Income 188.45
201.05
-7.95
207.34
143.17
growth rate 6.7% -100.0% 100.0% -31.0%
IBT 123.52
151.84
102.05
205.25
129.40
growth rate 22.9% -32.8% 101.1% -37.0%
Net Income 92.59
115.51
76.52
152.40
96.78
growth rate 24.8% -33.8% 99.2% -36.5%
EPS
growth rate
Gross Profit 304.42
320.44
107.78
346.88
251.64
growth rate 5.3% -66.4% 221.8% -27.5%
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:

A (87.52)

YOY Growth Grade:

C (58.55)

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 28.88 30.10 27.29
EPS / Growth 12.7% 1.55 8.9%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 10.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.9% 10.7% 10.7%
Future PE 17.86 25.87 25.87
Future EPS 3.65 4.29 4.29
Value Price
MOS %
16.10
-65.5%
27.44
-41.2%
27.44
-41.2%
MOS Price 8.05 13.72 13.72
IRT 14.53 13.39 13.39

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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