NASDAQ · STOCK
Brown & Brown
$70.38
52W $53.81 – $98.30
58/100
$23.56B
19.4
0.60
Is BRO Bullish or Bearish?
Mixed.
Innellis AI committee rates Brown & Brown (BRO) Watch with a composite score of 58/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +2.23 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 — -17.77 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
Some positive signals exist — news sentiment is positive (+0.33 across 44 articles, 14d) — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
Bull & Bear Case
Bull Case
- Revenue growing 34.2% YoY -- genuine top-line momentum — Growth
- MACD histogram positive -- bullish momentum — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.33 across 44 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
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 July 31, 2026
Overall Committee Score
58/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 55%
of 141 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 34.2% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 44 articles, 14d)
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 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 58.1 to 57.8.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 50% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: score 54->58 (+5).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
53.9
Neutral
MACD Histogram
0.101
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$69.15
Resistance
$70.50
Bollinger %B
0.65
Inside Bands
Price vs Moving Averages
EMA 9
$70.29
Above
EMA 21
$68.41
Above
EMA 50
$65.73
Above
EMA 200
$72.02
Below
Fundamental Analysis
Valuation
59
Growth
46
Profitability
0
Financial Health
60
Cash Flow
37
Valuation
P/E Ratio
19.4×
P/B Ratio
1.86×
PEG Ratio
6.85
Dividend Yield
0.01%
52W High
$98.30
52W Low
$53.81
Quality & Growth
ROE
8.4%
ROA
3.5%
Gross Margin
59.0%
Operating Margin
28.5%
Revenue Growth YoY
—
Debt / Equity
0.64
AI Fundamental Assessment
P/E ratio of 19.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of 6.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 1.13 (tight short-term liquidity); Debt-to-equity of 0.64; Free cash flow margin of 1.0% (thin cash generation); 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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