Brown & Brown, Inc. — Cyborg Score 7/10

Strong
Insurance Brokers & Agents

Strategic Profile

The company strengthened its market position through the 2025 acquisition of Risk Strategies, combining deep specialty knowledge with broad market perspective. Brown & Brown actively acquires smaller insurance brokerage firms and has grown its EPS by 18% per year on average over the last nine years.

Cyborg Score Rationale

With a market cap of $24.2B and trailing twelve month revenue of $5.76B, the company demonstrates substantial scale. The combination of strong growth, safety, and competitive valuation makes it a compelling investment. However, industry headwinds including catastrophic events and economic pressures create near-term operational challenges.

Top Insights

  • 2026 market shows softer commercial rates, increased capacity and stronger carrier competition favoring well-prepared buyers with positive claims histories
  • 2025 Risk Strategies acquisition expands specialty expertise and deepens ability to serve complex risk and liability markets
  • Company expects 11% average annual EPS growth through 2030 with substantial room for continued M&A strategy
  • Large-loss events like wildfires and cyber incidents persist; transportation, hospitality and catastrophe-prone regions face tighter underwriting conditions

Named Competitors

  • Alliant Insurance Services — Insurance broker and risk management services provider
  • AmWINS — Managing general agent and insurance wholesaler
  • Propel Insurance — Digital-focused insurance agency

Recent Developments

  • (February 2026) Launched 2026 Market Trends Report detailing commercial rate softening and increased market capacity
  • (February 2026) Announced $250 million accelerated share repurchase program with Bank of America
  • (January 2026) Reported Q4 2025 results with $1.6B in total revenues, representing 35.7% growth

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