★
BRO
Brown & Brown Inc · Insurance
FCF——
Rev+36.1%A
D/E0.61B
P/E17.1xB+
PEG0.47A
81Score
$57.821Y Target$66.49Near-term target
5Y Target$93.12Compound horizon
10Y Target$136.88Long-dated conviction
FCF—TTM—
FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+36.1%TTM YoYA
Revenue +36.1% — hypergrowth, top decile · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E0.61totalB
D/E 0.61 — at market average, manageable · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E17.1xB+
P/E 17.1 — at or below S&P median, reasonable
PEG0.47proxyA
PEG 0.47 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Insurance · market cap $19.6b. Down 49% from 52-week high of $113.84 — deep drawdown territory. Revenue growing +36% — in hypergrowth territory. PEG 0.47 — paying under fair value for the growth rate.
Moat
Net margin 18% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Down 49% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $66.49 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $93.12 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $136.88 if current growth sustains into durable earnings power.
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Position sizing · BRO
Shares to buy
34
Position size
$1,966
3.9% of portfolio
Stop price
$43.37
25% below $57.82
$ at risk
$500.00
1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.