BROWN & BROWN, INC.
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BRO Q2 2025 request
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| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Insurance Commissions And Fees | 1,249 | 1,154 | +8.2% |
| Investment And Other Income | 36 | 24 | +50.0% |
| Revenue | 1,285 | 1,178 | +9.1% |
Show Business Segments breakouts |
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| Programs · Operating Segments | 381 | 359 | +6.1% |
| Retail · Operating Segments | 697 | 646 | +7.9% |
| Wholesale Brokerage · Operating Segments | 182 | 159 | +14.5% |
Show Geography breakouts |
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| England, Bermuda, Cayman, Islands and The Republic of Ireland | 212 | 172 | +23.3% |
| GB | 164 | 144 | +13.9% |
| Other | 48 | 28 | +71.4% |
| US | 1,073 | 1,006 | +6.7% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 25 | 14 | +78.6% |
| Material Reconciling Items | 25 | 14 | +78.6% |
| Operating Segments | 1,260 | 1,164 | +8.2% |
| Employee Compensation And Benefits | 640 | 585 | +9.4% |
Show Business Segments breakouts |
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| Programs · Operating Segments | 109 | 111 | -1.8% |
| Retail · Operating Segments | 385 | 355 | +8.5% |
| Wholesale Brokerage · Operating Segments | 93 | 82 | +13.4% |
| Other Cost And Expense Operating | 211 | 173 | +22.0% |
Show Business Segments breakouts |
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| Programs · Operating Segments | 71 | 70 | +1.4% |
| Retail · Operating Segments | 120 | 110 | +9.1% |
| Wholesale Brokerage · Operating Segments | 27 | 24 | +12.5% |
| Adjustment For Amortization | 50 | 44 | +13.6% |
| Depreciation | 11 | 11 | 0.0% |
| Interest Expense | 51 | 49 | +4.1% |
Show Business Segments breakouts |
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| Programs · Operating Segments | 6 | 7 | -14.3% |
| Retail · Operating Segments | 15 | 19 | -21.1% |
| Wholesale Brokerage · Operating Segments | 3 | 3 | 0.0% |
| Business Combination Contingent Consideration Arrangements Change In Amount Of Contingent Consideration Liability1 | 11 | 1 | +1000.0% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 9 | 1 | +800.0% |
| Wholesale Brokerage · Operating Segments | 2 | -1 | +300.0% |
| Operating Expenses And Nonoperating Expenses | 974 | 832 | +17.1% |
| Income Before Taxes | 311 | 346 | -10.1% |
Show Business Segments breakouts |
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| Programs · Operating Segments | 180 | 183 | -1.6% |
| Retail · Operating Segments | 127 | 129 | -1.6% |
| Wholesale Brokerage · Operating Segments | 53 | 47 | +12.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -49 | -13 | -276.9% |
| Operating Segments | 360 | 359 | +0.3% |
| Income Tax Expense (Benefit) | 77 | 87 | -11.5% |
| Net Income | 234 | 259 | -9.7% |
Show Equity Components breakouts |
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| Noncontrolling Interest | 3 | 2 | +50.0% |
| Retained Earnings | 231 | 257 | -10.1% |
| Net Income Loss Attributable To Noncontrolling Interest | 3 | 2 | +50.0% |
| Net Income | 231 | 257 | -10.1% |
| EPS (Basic) | 0.79 | 0.9 | -12.2% |
| EPS (Diluted) | 0.78 | 0.9 | -13.3% |
| Revenue (Q) | — | — | — |
Show Product Lines breakouts |
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| Base Commission Revenue | 878 | 821 | +6.9% |
| Base Commission Revenue · Programs | 254 | 243 | +4.5% |
| Base Commission Revenue · Retail | 483 | 449 | +7.6% |
| Base Commission Revenue · Wholesale Brokerage | 141 | 129 | +9.3% |
| Earned premium | 17 | 18 | -5.6% |
| Earned premium · Programs | 17 | 18 | -5.6% |
| Fee Revenue | 268 | 240 | +11.7% |
| Fee Revenue · Programs | 66 | 61 | +8.2% |
| Fee Revenue · Retail | 173 | 156 | +10.9% |
| Fee Revenue · Wholesale Brokerage | 29 | 24 | +20.8% |
| Other Supplemental Commissions Revenue | 41 | 39 | +5.1% |
| Other Supplemental Commissions Revenue · Programs | 7 | 6 | +16.7% |
| Other Supplemental Commissions Revenue · Retail | 31 | 32 | -3.1% |
| Other Supplemental Commissions Revenue · Wholesale Brokerage | 3 | 1 | +200.0% |
| Profit-Sharing Contingent Commission Revenue | 45 | 36 | +25.0% |
| Profit-Sharing Contingent Commission Revenue · Programs | 30 | 25 | +20.0% |
| Profit-Sharing Contingent Commission Revenue · Retail | 7 | 7 | 0.0% |
| Profit-Sharing Contingent Commission Revenue · Wholesale Brokerage | 8 | 4 | +100.0% |
| Comprehensive Income | 478 | 261 | +83.1% |
| Wtd Avg Shares (Basic) | 292 | 282 | +3.5% |
| Wtd Avg Shares (Diluted) | 293 | 283 | +3.5% |
| Premiums Earned Net (Q) | — | — | — |
Show Subsegments breakouts |
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| Quota Share Captive | 36 | — | — |
| Net Income Loss Available To Common Stockholders Basic | 228 | 254 | -10.2% |
| Depreciation And Amortization (Q) | — | — | — |
Show Business Segments breakouts |
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| Programs · Operating Segments | 15 | 16 | -6.2% |
| Retail · Operating Segments | 41 | 34 | +20.6% |
| Wholesale Brokerage · Operating Segments | 4 | 4 | 0.0% |
Balance Sheet
| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 8,893 | 1,107 | +703.3% |
| Fiduciary Cash Current | 2,026 | 1,867 | +8.5% |
| Commission Fees And Other Receivable | 1,055 | 930 | +13.4% |
| Fiduciary Receivables Current | 1,212 | 1,275 | -4.9% |
| Reinsurance Recoverables Gross | 385 | 100 | +285.0% |
| Prepaid Reinsurance Premiums | 529 | 483 | +9.5% |
Show Subsegments breakouts |
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| Wright National Flood Insurance Company | 529 | 483 | +9.5% |
| Other Assets Current | 343 | 318 | +7.9% |
| Total Current Assets | 14,443 | 6,089 | +137.2% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 334 | 290 | +15.2% |
| Operating Lease Right-of-Use Assets | 198 | — | — |
| Goodwill | 8,365 | — | — |
Show Business Segments breakouts |
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| Programs | 1,949 | — | — |
| Retail | 5,665 | — | — |
| Wholesale Brokerage | 751 | — | — |
| Intangible Assets | 1,866 | 1,565 | +19.2% |
| Other Non-Current Assets | 430 | 355 | +21.1% |
| Total Assets | 25,636 | — | — |
| Current Liabilities | |||
| Fiduciary Liabilities Current | 3,238 | 3,142 | +3.1% |
| Liability For Claims And Claims Adjustment Expense | 400 | 108 | +270.4% |
Show Subsegments breakouts |
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| Quota Share Captive | 24 | 11 | +118.2% |
| Unearned Premiums | 632 | 603 | +4.8% |
| Accounts Payable | 382 | 313 | +22.0% |
| Accrued Liabilities | 530 | 500 | +6.0% |
| Current Portion of Long-Term Debt | 75 | 725 | -89.7% |
| Total Current Liabilities | 5,257 | 5,391 | -2.5% |
| Deferred Revenue (Current) | 75 | 70 | +7.1% |
| Non-Current Liabilities | |||
| Long-Term Debt | 7,470 | 3,391 | +120.3% |
| Operating Lease Liabilities | 186 | — | — |
| Deferred Tax Liabilities | 721 | 614 | +17.4% |
| Other Non-Current Liabilities | 385 | 331 | +16.3% |
| Long-Term Debt | 7,545 | 4,116 | +83.3% |
Show Credit Facility breakouts |
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| Term Loan | 569 | 800 | -28.9% |
| Contract With Customer Liability Noncurrent | 40 | 39 | +2.6% |
| Stockholders' Equity | |||
| Common Stock | 35 | 30 | +16.7% |
| Additional Paid In Capital Common Stock | 5,441 | 1,027 | +429.8% |
| Treasury Stock Value | -748 | -748 | 0.0% |
| Accumulated Other Comprehensive Income | 262 | -47 | +657.4% |
| Minority Interest | 23 | — | — |
| Retained Earnings | 6,604 | 5,764 | +14.6% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 11,617 | 6,037 | +92.4% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 262 | -47 | +657.4% |
| Additional Paid In Capital | 5,441 | 1,027 | +429.8% |
| Common Stock | 35 | 30 | +16.7% |
| Noncontrolling Interest | 23 | 11 | +109.1% |
| Retained Earnings | 6,604 | 5,764 | +14.6% |
| Treasury Stock Common | -748 | -748 | 0.0% |
| Total Liabilities & Equity | 25,636 | 15,944 | +60.8% |
Cash Flow Statement
| Metric | YTD Q2 2025 | YTD Q2 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Adjustment For Amortization Excluding Accretion Amortization Of Debt Discounts And Premiums Investments | 103 | 86 | +19.8% |
| Stock-Based Compensation | 52 | 52 | 0.0% |
| Deferred Income Taxes | -2 | -3 | +33.3% |
| Net Loss Gain On Sales Of Investments Fixed Assets And Customer Accounts | 2 | -29 | +106.9% |
| Payments On Acquisition Earn Outs In Excess Of Original Estimated Payables | -1 | -31 | +96.8% |
| Other Operating Activities Cash Flow Statement | 2 | 2 | 0.0% |
| Increase Decrease In Premiums Commission And Fees Receivable | -139 | -140 | +0.7% |
| Increase Decrease In Reinsurance Recoverable | 1,142 | 26 | +4292.3% |
| Increase Decrease In Prepaid Reinsurance Premiums | -9 | -21 | +57.1% |
| Increase Decrease In Other Operating Assets | -11 | -80 | +86.2% |
| Increase Decrease For Loss And Loss Adjustment Expense | -1,143 | -23 | -4869.6% |
| Increase Decrease In Unearned Premiums | 55 | 140 | -60.7% |
| Change in Accounts Payable | 5 | -54 | +109.3% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -132 | -109 | -21.1% |
| Increase Decrease In Other Operating Liabilities | 15 | -15 | +200.0% |
| Net Cash from Operations | 538 | 373 | +44.2% |
| Investing Activities | |||
| Capital Expenditures | -32 | -39 | +17.9% |
| Payments To Acquire Businesses Net Of Cash Acquired | -161 | -98 | -64.3% |
| Proceeds From Sales Of Businesses Fixed Assets And Customer Accounts | 10 | 58 | -82.8% |
| Other Investing Activities | -4 | 2 | -300.0% |
| Net Cash from Investing | -187 | -77 | -142.9% |
| Financing Activities | |||
| Fiduciary Receivables And Liabilities Net | 119 | 248 | -52.0% |
| Payments On Acquisition Earn Outs | -45 | -65 | +30.8% |
| Proceeds From Issuance Of Long Term Debt | 4,192 | 599 | +599.8% |
| Repayments Of Long Term Debt | -188 | -175 | -7.4% |
| Debt Issuance Costs | -36 | -5 | -620.0% |
| Proceeds From Lines Of Credit | 150 | 150 | 0.0% |
| Repayments Of Lines Of Credit | -400 | -250 | -60.0% |
| Proceeds From Issuance Of Common Stock | 4,315 | — | — |
| Repurchase Of Stock Benefit Plan Shares For Employees To Fund Tax Withholdings | -41 | -54 | +24.1% |
| Payments Of Dividends | -86 | -75 | -14.7% |
| Proceeds From Payments For Other Financing Activities | 1 | 2 | -50.0% |
| Net Cash from Financing | 7,981 | 375 | +2028.3% |
| Supplemental | |||
| Income Taxes Paid | 268 | 267 | +0.4% |
| Interest Paid | 90 | 94 | -4.3% |
| Other Cash Flow | |||
| Effect Of Foreign Exchange Rate Cash Changes In Cash And Cash Equivalents Inclusive Of Fiduciary | 85 | — | — |
| Net Change in Cash | 8,417 | 671 | +1154.4% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 10,919 | 2,974 | +267.1% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.