BRO vs. CINF: Brown & Brown vs. Cincinnati Financial Stock Comparison
How do Brown & Brown (BRO) and Cincinnati Financial (CINF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Brown & Brown (BRO) and Cincinnati Financial (CINF) both belong to the Insurance industry, though BRO is classified under Insurance Brokers while CINF falls under Property & Casualty Insurance.
| Profile Item | BRO | CINF |
|---|---|---|
| Name | Brown & Brown Inc. | Cincinnati Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Insurance Brokers | Property & Casualty Insurance |
| Market Capitalization | 23.92 billion USD | 28.47 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | February 11, 1981 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BRO | CINF |
|---|---|---|
| Total Return (1Y) | -8.59% | 15.64% |
| Total Return (3Y, Annualized) | 0.40% | 26.43% |
| Total Return (5Y, Annualized) | 3.19% | 11.17% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BRO | CINF |
|---|---|---|
| Volatility (1Y, Annualized) | 32.50% | 20.57% |
| Beta (5Y) | 0.51 | 0.46 |
| Max Drawdown (5Y) | -55.85% | -35.77% |
| Avg. Volume (3M) | 2.25M | 610.21K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BRO | CINF |
|---|---|---|
| Sharpe Ratio (1Y) | -0.40 | 0.55 |
| Sortino Ratio (1Y) | -0.57 | 0.80 |
Profitability
ROE (TTM)
Both Brown & Brown (BRO) at 9.80% and Cincinnati Financial (CINF) at 16.87% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
BRO
Insurance industry group
9.80%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- BRO
- 9.80%
- Q1
- 8.79%
- Min
- -10.66%
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
For every dollar of sales, both Brown & Brown (BRO) at 17.88% and Cincinnati Financial (CINF) at 20.07% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
BRO
Insurance industry group
17.88%
- Max
- 29.92%
- BRO
- 17.88%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
CINF
Insurance industry group
20.07%
- Max
- 29.92%
- CINF
- 20.07%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Brown & Brown (BRO) in Insurance and Cincinnati Financial (CINF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BRO | CINF |
|---|---|---|
| ROE (TTM) | 9.80% | 16.87% |
| ROA (TTM) | 3.89% | 5.03% |
| Net Margin (TTM) | 17.88% | 20.07% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while Cincinnati Financial (CINF) at 11.41% is closer to the peer norm — faster top-line expansion for BRO.
EPS Growth
Both Brown & Brown (BRO) at -8.67% and Cincinnati Financial (CINF) at 4.40% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | BRO | CINF |
|---|---|---|
| Revenue Growth (YoY) | 22.49% | 11.41% |
| Revenue Growth (3Y CAGR) | 17.38% | 24.39% |
| EPS Growth (YoY) | -8.67% | 4.40% |
| EPS Growth (3Y CAGR) | 10.06% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Brown & Brown (BRO) in Insurance and Cincinnati Financial (CINF) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Brown & Brown (BRO) in Insurance and Cincinnati Financial (CINF) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | BRO | CINF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Brown & Brown (BRO) at 0.89% and Cincinnati Financial (CINF) at 1.96% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
BRO
Insurance industry group
0.89%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- BRO
- 0.89%
- Q1
- 0.00%
- Min
- 0.00%
CINF
Insurance industry group
1.96%
- Max
- 5.12%
- Q3
- 2.15%
- CINF
- 1.96%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Brown & Brown (BRO) at 20.89% and Cincinnati Financial (CINF) at 21.65% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BRO
Insurance industry group
20.89%
- Max
- 76.67%
- Q3
- 35.18%
- BRO
- 20.89%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | BRO | CINF |
|---|---|---|
| Dividend Yield (TTM) | 0.89% | 1.96% |
| Dividend Payout Ratio (TTM) | 20.89% | 21.65% |
Valuation
P/E Ratio (TTM)
Cincinnati Financial (CINF) at 10.88 is near its industry’s usual P/E ratio, while Brown & Brown (BRO) at 22.82 sits in the richer quartile — BRO needs stronger growth or earnings quality to justify the premium.
BRO
Insurance industry group
22.82
- Max
- 28.37
- BRO
- 22.82
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Cincinnati Financial (CINF) at 2.14 is priced about in line with its industry on P/S ratio, while Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of sales.
BRO
Insurance industry group
3.51
- Max
- 4.03
- BRO
- 3.51
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Brown & Brown (BRO) at 1.87 and Cincinnati Financial (CINF) at 1.76 are valued close to their industries’ norm against book — neither stands out from peers.
BRO
Insurance industry group
1.87
- Max
- 5.07
- Q3
- 2.79
- BRO
- 1.87
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | BRO | CINF |
|---|---|---|
| P/E Ratio (TTM) | 22.82 | 10.88 |
| P/S Ratio (TTM) | 3.51 | 2.14 |
| P/B Ratio (MRQ) | 1.87 | 1.76 |
| Free Cash Flow Yield (TTM) | -- | -- |