BROWN & BROWN, INC.
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BRO Q3 2025 request
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/api/financials?ticker=BRO&year=2025&quarter=3
Pick an endpoint and run the request.Income Statement
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Insurance Commissions And Fees | 1,550 | 1,155 | +34.2% |
| Investment And Other Income | 56 | 31 | +80.6% |
| Revenue | 1,606 | 1,186 | +35.4% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 883 | 641 | +37.8% |
| Specialty Distribution · Operating Segments | 681 | 524 | +30.0% |
Show Geography breakouts |
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| GB | 148 | 133 | +11.3% |
| Other | 48 | 22 | +118.2% |
| Other International Countries | 196 | 155 | +26.5% |
| US | 1,410 | 1,031 | +36.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 42 | 21 | +100.0% |
| Material Reconciling Items | 42 | 21 | +100.0% |
| Operating Segments | 1,564 | 1,165 | +34.2% |
| Employee Compensation And Benefits | 793 | 607 | +30.6% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 493 | 364 | +35.4% |
| Specialty Distribution · Operating Segments | 252 | 193 | +30.6% |
| Other Cost And Expense Operating | 276 | 165 | +67.3% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 153 | 107 | +43.0% |
| Specialty Distribution · Operating Segments | 132 | 95 | +38.9% |
| Adjustment For Amortization | 93 | 45 | +106.7% |
| Depreciation | 14 | 11 | +27.3% |
| Interest Expense | 100 | 50 | +100.0% |
Show Business Segments breakouts |
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| Retail · Operating Segments | -11 | 18 | -161.1% |
| Specialty Distribution · Operating Segments | 9 | 10 | -10.0% |
| Business Combination Contingent Consideration Arrangements Change In Amount Of Contingent Consideration Liability1 | 11 | -8 | +237.5% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 10 | -2 | +600.0% |
| Specialty Distribution · Operating Segments | 1 | -5 | +120.0% |
| Mark To Market Of Escrow Liability | 8 | — | — |
| Operating Expenses And Nonoperating Expenses | 1,295 | 869 | +49.0% |
| Income Before Taxes | 311 | 317 | -1.9% |
Show Business Segments breakouts |
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| Retail · Operating Segments | 164 | 120 | +36.7% |
| Specialty Distribution · Operating Segments | 255 | 210 | +21.4% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -108 | -13 | -730.8% |
| Operating Segments | 419 | 330 | +27.0% |
| Income Tax Expense (Benefit) | 82 | 78 | +5.1% |
| Net Income | 229 | 239 | -4.2% |
Show Equity Components breakouts |
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| Noncontrolling Interest | 2 | 5 | -60.0% |
| Retained Earnings | 227 | 234 | -3.0% |
| Net Income Loss Attributable To Noncontrolling Interest | 2 | 5 | -60.0% |
| Net Income | 227 | 234 | -3.0% |
| EPS (Basic) | 0.68 | 0.82 | -17.1% |
| EPS (Diluted) | 0.68 | 0.81 | -16.0% |
| Revenue (Q) | — | — | — |
Show Product Lines breakouts |
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| Base Commission Revenue | 1,073 | 822 | +30.5% |
| Base Commission Revenue · Retail | 623 | 444 | +40.3% |
| Base Commission Revenue · Specialty Distribution | 450 | 378 | +19.0% |
| Earned premium | 22 | 23 | -4.3% |
| Earned premium · Specialty Distribution | 22 | 23 | -4.3% |
| Fee Revenue | 346 | 251 | +37.8% |
| Fee Revenue · Retail | 204 | 158 | +29.1% |
| Fee Revenue · Specialty Distribution | 142 | 93 | +52.7% |
| Other Supplemental Commissions Revenue | 36 | 32 | +12.5% |
| Other Supplemental Commissions Revenue · Retail | 32 | 29 | +10.3% |
| Other Supplemental Commissions Revenue · Specialty Distribution | 4 | 3 | +33.3% |
| Profit-Sharing Contingent Commission Revenue | 73 | 27 | +170.4% |
| Profit-Sharing Contingent Commission Revenue · Retail | 18 | 8 | +125.0% |
| Profit-Sharing Contingent Commission Revenue · Specialty Distribution | 55 | 19 | +189.5% |
| Comprehensive Income | 165 | 406 | -59.4% |
| Wtd Avg Shares (Basic) | 331 | 282 | +17.4% |
| Wtd Avg Shares (Diluted) | 332 | 284 | +16.9% |
| Net Income Loss Available To Common Stockholders Basic | 225 | 231 | -2.6% |
| Depreciation And Amortization (Q) | — | — | — |
Show Business Segments breakouts |
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| Retail · Operating Segments | 74 | 35 | +111.4% |
| Specialty Distribution · Operating Segments | 32 | 21 | +52.4% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 1,190 | 957 | +24.3% |
| Fiduciary Cash Current | 2,271 | 1,744 | +30.2% |
| Commission Fees And Other Receivable | 1,457 | 917 | +58.9% |
| Fiduciary Receivables Current | 1,348 | 961 | +40.3% |
| Reinsurance Recoverables Gross | 603 | 2,036 | -70.4% |
| Prepaid Reinsurance Premiums | 790 | 539 | +46.6% |
Show Subsegments breakouts |
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| Quota Share Captive | 206 | — | — |
| Wright National Flood Insurance Company | 584 | 539 | +8.3% |
| Other Assets Current | 484 | 314 | +54.1% |
| Total Current Assets | 8,143 | 7,479 | +8.9% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 366 | 309 | +18.4% |
| Operating Lease Right-of-Use Assets | 269 | — | — |
| Goodwill | 14,891 | — | — |
Show Business Segments breakouts |
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| Retail | 9,815 | — | — |
| Specialty Distribution | 5,076 | — | — |
| Intangible Assets | 4,952 | 1,582 | +213.0% |
| Other Non-Current Assets | 733 | 365 | +100.8% |
| Total Assets | 29,354 | — | — |
| Current Liabilities | |||
| Fiduciary Liabilities Current | 3,619 | 2,705 | +33.8% |
| Liability For Claims And Claims Adjustment Expense | 620 | 2,044 | -69.7% |
| Unearned Premiums | 887 | — | — |
Show Subsegments breakouts |
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| Quota Share Captive | 303 | — | — |
| Accounts Payable | 849 | 329 | +158.1% |
| Accrued Liabilities | 840 | 597 | +40.7% |
| Current Portion of Long-Term Debt | 75 | 225 | -66.7% |
| Total Current Liabilities | 6,890 | 6,525 | +5.6% |
| Deferred Revenue (Current) | 124 | 78 | +59.0% |
| Non-Current Liabilities | |||
| Long-Term Debt | 7,653 | 3,367 | +127.3% |
| Operating Lease Liabilities | 243 | — | — |
| Deferred Tax Liabilities | 857 | 638 | +34.3% |
| Other Non-Current Liabilities | 1,304 | 334 | +290.4% |
| Long-Term Debt | 7,728 | 3,592 | +115.1% |
Show Credit Facility breakouts |
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| Revolving Credit Facility | 200 | — | — |
| Term Loan | 550 | 775 | -29.0% |
| Contract With Customer Liability Noncurrent | 42 | 39 | +7.7% |
| Stockholders' Equity | |||
| Common Stock | 36 | 31 | +16.1% |
| Additional Paid In Capital Common Stock | 6,117 | 1,095 | +458.6% |
| Treasury Stock Value | -748 | -748 | 0.0% |
| Accumulated Other Comprehensive Income | 200 | 125 | +60.0% |
| Minority Interest | 21 | — | — |
| Retained Earnings | 6,781 | 5,961 | +13.8% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 12,407 | 6,480 | +91.5% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 200 | 125 | +60.0% |
| Additional Paid In Capital | 6,117 | 1,095 | +458.6% |
| Common Stock | 36 | 31 | +16.1% |
| Noncontrolling Interest | 21 | 16 | +31.2% |
| Retained Earnings | 6,781 | 5,961 | +13.8% |
| Treasury Stock Common | -748 | -748 | 0.0% |
| Total Liabilities & Equity | 29,354 | 17,525 | +67.5% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Adjustment For Amortization Excluding Accretion Amortization Of Debt Discounts And Premiums Investments | 196 | 131 | +49.6% |
| Stock-Based Compensation | 76 | 77 | -1.3% |
| Deferred Income Taxes | 18 | -11 | +263.6% |
| 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 | -35 | +97.1% |
| Other Operating Activities Cash Flow Statement | 5 | 3 | +66.7% |
| Increase Decrease In Premiums Commission And Fees Receivable | -59 | -119 | +50.4% |
| Increase Decrease In Reinsurance Recoverable | 1,190 | -1,911 | +162.3% |
| Increase Decrease In Prepaid Reinsurance Premiums | 8 | -77 | +110.4% |
| Increase Decrease In Other Operating Assets | -23 | -81 | +71.6% |
| Increase Decrease For Loss And Loss Adjustment Expense | -1,188 | 1,913 | -162.1% |
| Increase Decrease In Unearned Premiums | 15 | 163 | -90.8% |
| Change in Accounts Payable | -95 | -9 | -955.6% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -41 | -17 | -141.2% |
| Increase Decrease In Other Operating Liabilities | 41 | — | — |
| Net Cash from Operations | 1,006 | 813 | +23.7% |
| Investing Activities | |||
| Capital Expenditures | -48 | -62 | +22.6% |
| Payments To Acquire Businesses Net Of Cash Acquired | -7,659 | -118 | -6390.7% |
| Proceeds From Sales Of Businesses Fixed Assets And Customer Accounts | 10 | 60 | -83.3% |
| Other Investing Activities | -4 | 1 | -500.0% |
| Net Cash from Investing | -7,701 | -119 | -6371.4% |
| Financing Activities | |||
| Fiduciary Receivables And Liabilities Net | -145 | 83 | -274.7% |
| Payments On Acquisition Earn Outs | -77 | -100 | +23.0% |
| Proceeds From Issuance Of Long Term Debt | 4,192 | 599 | +599.8% |
| Repayments Of Long Term Debt | -206 | -700 | +70.6% |
| Debt Issuance Costs | -37 | -5 | -640.0% |
| Proceeds From Lines Of Credit | 450 | 150 | +200.0% |
| Repayments Of Lines Of Credit | -500 | -250 | -100.0% |
| Proceeds From Issuance Of Common Stock | 4,315 | — | — |
| Proceeds From Stock Options Exercised | 43 | 44 | -2.3% |
| Repurchase Of Stock Benefit Plan Shares For Employees To Fund Tax Withholdings | -42 | -54 | +22.2% |
| Payments Of Dividends | -137 | -111 | -23.4% |
| Proceeds From Payments For Other Financing Activities | -5 | 3 | -266.7% |
| Net Cash from Financing | 7,851 | -341 | +2402.3% |
| Supplemental | |||
| Income Taxes Paid | 319 | 289 | +10.4% |
| Interest Paid | 144 | 162 | -11.1% |
| Other Cash Flow | |||
| Effect Of Foreign Exchange Rate Cash Changes In Cash And Cash Equivalents Inclusive Of Fiduciary | 66 | 45 | +46.7% |
| Net Change in Cash | 1,222 | 398 | +207.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 3,724 | 2,701 | +37.9% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.