Brown & Brown, Inc. (BRO) Fair Value 2026

BRO · Insurance Brokers ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.3 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, Brown & Brown, Inc. (BRO) trades at $71.39, versus a $42.25 median fair value across its 6 active models — 40.8% below the current price. QOC: 8.3/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
BRO
Price
$71.39
Quality Score
8.3/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.3/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Brown & Brown, Inc. (BRO) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Brown & Brown, Inc. (BRO) appears overvalued as of : the median of 6 independent fair value estimates is $42.25, 40.8% below the current price of $71.39. Estimates range from $22.88 to $139.23. BRO scores 8.3/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BRO’s -40.8% gap is wider than that market norm, and the Insurance Brokers sector median is -18.4%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Brown & Brown, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BRO?

6 Intrinsic Value Models vs. Current Price ($71.39)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $29.76 -58.3%
Ensemble · Low Conviction
 $42.79 -40.1%
Intrinsic · High Conviction
 $22.88 -68.0%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is BRO's Fair Value Range?

Spread across 6 independent models · $22.88 to $139.23

CirclFi's 6 active models place Brown & Brown, Inc. (BRO) between $22.88 and $139.23 per share, a spread of 275% of the median. The median of that range — $42.25 — is the fair value CirclFi publishes for BRO, against a current price of $71.39.

Low · Markov DDMHigh · Regime Cross
$22.88median $42.25$139.23
Where the range comes from
Most bearish modelMarkov DDM$22.88
Most bullish modelRegime Cross-Sectional$139.23
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BRO. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BRO, not a CirclFi price target. How each model works →

What Is Brown & Brown, Inc. (BRO) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Brown & Brown, Inc. at its current price of $71.39. The median intrinsic value is estimated at $42.25 (-40.8% vs price), with 4 models flagging overvaluation risk. Model dispersion is worth noting: Regime Cross targets $139.23 (+95.0%), versus Markov DDM at $22.88 (-68.0%). This +163.0% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About BRO?

6 of 13 models are currently active for BRO. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for BRO is $42.25 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BRO Rank in Insurance Brokers?

Among 21 Insurance Brokers stocks, BRO ranks #6 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places BRO in the top tier.

Within the Insurance Brokers space, Brown & Brown, Inc. competes in an environment where expense ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is BRO a Value Trap?

CirclFi's Value Trap algorithm assigns BRO a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Brown & Brown, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Brown & Brown, Inc.'s fundamental quality profile registers 8.3/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +163.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BRO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BRO's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Brown & Brown, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance Brokers Stocks Should You Also Analyze?

11 related Insurance Brokers stocks with 13-model coverage

WTWWillis Towers Watson Public Limited CompanyQOC 8.5AONAon plcQOC 8.2GSHDGoosehead Insurance, Inc.QOC 8.5AJGArthur J. Gallagher & Co.QOC 7.9MRSHMarsh & McLennan Companies, Inc.QOC 8.5QDMIQDM International Inc.QOC 7.6NPNeptune Insurance Holdings Inc.QOC 7.6ARXAccelerant HoldingsQOC 6.1EZRAReliance Global Group, Inc.QOC 3.9CRVLCorVel CorporationQOC 9.1ERIEErie Indemnity CompanyQOC 8.9

Read investment analysis: WTW · AON · GSHD · AJG · MRSH · QDMI · NP · ARX · EZRA · CRVL · ERIE

Which Other Stocks Have a Similar Quality Score to BRO?

7 companies across all industries closest to BRO’s Quality of Company score of 8.3/10.

OKEONEOK, Inc.QOC 8.3CIENCiena CorporationQOC 8.3GEFGreif, Inc.QOC 8.3RELYRemitly Global, Inc.QOC 8.3RESRPC, Inc.QOC 8.3OPRXOptimizeRx CorporationQOC 8.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: OKE · CIEN · GEF · RELY · RES · OPRX · NVDA

What Else Do Investors Ask About Brown & Brown, Inc.’s Valuation?

What is Brown & Brown, Inc.'s intrinsic value in 2026?

CirclFi puts Brown & Brown, Inc. (BRO)'s intrinsic value at $42.25 — the median of 6 independent model estimates as of 2026-08-27, ranging from $22.88 to $139.23. The Quality of Company score is 8.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BRO overvalued or undervalued right now?

At $71.39, 1 of 6 active models suggest BRO may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $42.25, 40.8% below the current price of $71.39 — a consensus view that BRO is overvalued. The assessment depends on which methodology best fits Brown & Brown, Inc.'s business model in Insurance Brokers.

What does a Quality of Company score of 8.3 mean for BRO?

Brown & Brown, Inc.'s QOC of 8.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BRO?

CirclFi analyzes BRO with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BRO?

Of the 6 models currently active on BRO, Regime Cross-Sectional is the most bullish at $139.23 per share, and Markov DDM is the most bearish at $22.88. CirclFi's published fair value for BRO is the median of that range, $42.25, not either extreme. The gap between the two ends equals 275% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BRO a value trap in 2026?

Brown & Brown, Inc.'s Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Brown & Brown, Inc. (BRO) has a median fair value of $42.25 — 40.8% below the current price of $71.39 — as of 2026-08-27.” Source: circlfi.com/stock/BRO/ · Methodology
Primary sources for this BRO valuation
  • Financial statements: Brown & Brown, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000079282) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BRO as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on BRO.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for BRO Unlock All 6 — $39/mo