BRO vs. CFG: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BRO and CFG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	BRO	CFG
Company Name	Brown & Brown, Inc.	Citizens Financial Group, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	31.64 billion USD	20.94 billion USD
Exchange	NYSE	NYSE
Listing Date	February 11, 1981	September 24, 2014
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BRO and CFG by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BRO vs. CFG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BRO	CFG
5-Day Price Return	3.68%	4.10%
13-Week Price Return	-13.41%	16.73%
26-Week Price Return	-11.00%	0.48%
52-Week Price Return	-3.67%	22.91%
Month-to-Date Return	4.97%	1.74%
Year-to-Date Return	-5.99%	10.95%
10-Day Avg. Volume	3.60M	4.24M
3-Month Avg. Volume	3.18M	5.19M
3-Month Volatility	26.77%	26.16%
Beta	0.81	1.17

Profitability

Return on Equity (TTM)

BRO

12.86%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

BRO’s Return on Equity of 12.86% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

CFG

6.41%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

CFG’s Return on Equity of 6.41% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BRO vs. CFG: A comparison of their Return on Equity (TTM) against their respective Insurance and Banks industry benchmarks.

Net Profit Margin (TTM)

BRO

19.89%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 19.89% places BRO in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

CFG

24.56%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

CFG’s Net Profit Margin of 24.56% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

BRO vs. CFG: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Operating Profit Margin (TTM)

BRO

30.11%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

CFG

31.45%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

CFG’s Operating Profit Margin of 31.45% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

BRO vs. CFG: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Profitability at a Glance

Symbol	BRO	CFG
Return on Equity (TTM)	12.86%	6.41%
Return on Assets (TTM)	5.19%	0.73%
Net Profit Margin (TTM)	19.89%	24.56%
Operating Profit Margin (TTM)	30.11%	31.45%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BRO

2.75

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CFG

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BRO vs. CFG: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BRO

0.65

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

CFG

0.45

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

BRO vs. CFG: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

BRO

7.75

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

CFG

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

BRO vs. CFG: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	BRO	CFG
Current Ratio (MRQ)	2.75	--
Quick Ratio (MRQ)	2.65	--
Debt-to-Equity Ratio (MRQ)	0.65	0.45
Interest Coverage Ratio (TTM)	7.75	--

Growth

Revenue Growth

BRO vs. CFG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BRO vs. CFG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BRO

0.52%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

BRO’s Dividend Yield of 0.52% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CFG

4.28%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

CFG’s Dividend Yield of 4.28% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

BRO vs. CFG: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

BRO

16.40%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

BRO’s Dividend Payout Ratio of 16.40% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

CFG

55.84%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

CFG’s Dividend Payout Ratio of 55.84% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BRO vs. CFG: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend at a Glance

Symbol	BRO	CFG
Dividend Yield (TTM)	0.52%	4.28%
Dividend Payout Ratio (TTM)	16.40%	55.84%

Valuation

Price-to-Earnings Ratio (TTM)

BRO

31.30

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

At 31.30, BRO’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

CFG

13.04

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 13.04 places CFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

BRO vs. CFG: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

BRO

6.22

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 6.22, BRO trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

CFG

1.48

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

BRO vs. CFG: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

BRO

3.15

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

BRO’s P/B Ratio of 3.15 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CFG

0.77

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

CFG’s P/B Ratio of 0.77 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

BRO vs. CFG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

Symbol	BRO	CFG
Price-to-Earnings Ratio (TTM)	31.30	13.04
Price-to-Sales Ratio (TTM)	6.22	1.48
Price-to-Book Ratio (MRQ)	3.15	0.77
Price-to-Free Cash Flow Ratio (TTM)	24.91	15.00