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Brown & Brown BRO Q3 2025 earnings

Reported October 27, 2025 · After market close

Revenue$1.6BBeat by $60.3M
EPS$1.05Beat by $0.11
Revenue estimate$1.5B
EPS estimate$0.94

Next report

Oct 26, 2026 (in 2 months)
Revenue estimate$1.8B
EPS estimate$1.09

Financials

Q3 2025

Income statement

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Revenue$1.6B+35.4%
Net income$227.0M-3.0%
EPS (diluted)$0.68-16.0%

Balance sheet

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Cash & equivalents$1.2B+24.3%
Total debt$8.0B+110%
Total assets$29.4B+67.5%

Cash flow

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Operating cash flow$468.0M+6.4%
CapEx$16.0M-30.4%
Free cash flow$452.0M+8.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$27.22B-9.0%
Enterprise value$34.07B+3.9%
P/E27.3×-1.2×
P/S5×-1.5×

Profitability

See full
Net margin18.2%-4.4pp
FCF margin23.7%+1.6pp

Returns & leverage

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Current ratio1.2×0.0×

Segments

By product

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Core Commission Revenue$1.1B+30.5%
Fee Revenue$346.0M+37.8%
Profit Sharing Contingent Commission Revenue$73.0M+170%
Other Supplemental Commissions Revenue$36.0M+12.5%
Earned Premium$22.0M-4.3%

By segment

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Retail$883.0M+37.8%
Specialty Distribution$681.0M—

FAQ

When did Brown & Brown report Q3 2025 earnings?
Brown & Brown (BRO) reported Q3 2025 earnings on October 27, 2025 after market close.
What were Brown & Brown's Q3 2025 revenue and EPS?
Brown & Brown reported revenue of $1.6B and eps of $1.05 for Q3 2025.
Did Brown & Brown beat estimates in Q3 2025?
Revenue beat the consensus estimate of $1.5B by $60.3M. EPS beat the consensus estimate of $0.94 by $0.11.
How did Brown & Brown's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 35.4% from $1.2B a year earlier and eps grew 15.4% from $0.91.
Where can I find Brown & Brown's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-251743) and the 10-Q periodic report (0001193125-25-251811) directly on SEC EDGAR. The filing index links above go to sec.gov.