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Brown & Brown BRO Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

Revenue$1.6BMiss by $42.8M
EPS$0.93Beat by $0.03
Revenue estimate$1.6B
EPS estimate$0.91

Next report

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

Financials

Q4 2025

Income statement

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Revenue$1.6B+35.8%
Net income$264.0M+25.7%
EPS (diluted)$0.59-19.2%

Balance sheet

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Cash & equivalents$1.1B+59.9%
Total debt$7.9B+95.0%
Total assets$30.0B+70.3%

Cash flow

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Operating cash flow$444.0M+23.0%
CapEx$20.0M0.0%
Free cash flow$424.0M+24.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$24.23B-19.1%
Enterprise value$31.06B-6.8%
P/E23×-7.1×
P/S4.1×-2.1×

Profitability

See full
Net margin17.8%-2.8pp
FCF margin23.4%+0.7pp

Returns & leverage

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Current ratio1×-0.1×

Segments

By product

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Core Commission Revenue$1.0B+32.7%
Fee Revenue$400.0M+44.9%
Profit Sharing Contingent Commission Revenue$94.0M+67.9%
Other Supplemental Commissions Revenue$29.0M+11.5%
Earned Premium$26.0M+4.0%

By segment

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Retail$919.0M+44.5%
Specialty Distribution$678.0M—

FAQ

When did Brown & Brown report Q4 2025 earnings?
Brown & Brown (BRO) reported Q4 2025 earnings on January 26, 2026 after market close.
What were Brown & Brown's Q4 2025 revenue and EPS?
Brown & Brown reported revenue of $1.6B and eps of $0.93 for Q4 2025.
Did Brown & Brown beat estimates in Q4 2025?
Revenue missed the consensus estimate of $1.6B by $42.8M. EPS beat the consensus estimate of $0.91 by $0.03.
How did Brown & Brown's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 47.6% from $1.1B a year earlier and eps grew 8.1% from $0.86.
Where can I find Brown & Brown's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-022760) and the 10-K periodic report (0001193125-26-046984) directly on SEC EDGAR. The filing index links above go to sec.gov.