BRO vs. COF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BRO and COF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | BRO | COF |
|---|---|---|
| Company Name | Brown & Brown, Inc. | Capital One Financial Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Consumer Finance |
| Market Capitalization | 31.64 billion USD | 138.76 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 11, 1981 | November 16, 1994 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of BRO and COF 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.
Historical Performance at a Glance
| Symbol | BRO | COF |
|---|---|---|
| 5-Day Price Return | 3.68% | 4.67% |
| 13-Week Price Return | -13.41% | 8.51% |
| 26-Week Price Return | -11.00% | 5.00% |
| 52-Week Price Return | -3.67% | 64.22% |
| Month-to-Date Return | 4.97% | 0.92% |
| Year-to-Date Return | -5.99% | 21.67% |
| 10-Day Avg. Volume | 3.60M | 3.53M |
| 3-Month Avg. Volume | 3.18M | 4.71M |
| 3-Month Volatility | 26.77% | 28.60% |
| Beta | 0.81 | 1.22 |
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.
COF
0.00%
Consumer Finance Industry
- Max
- 32.87%
- Q3
- 20.39%
- Median
- 14.14%
- Q1
- 7.64%
- Min
- -10.63%
COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
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.
COF
14.90%
Consumer Finance Industry
- Max
- 19.68%
- Q3
- 15.94%
- Median
- 13.37%
- Q1
- 9.73%
- Min
- 3.66%
COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
COF
18.33%
Consumer Finance Industry
- Max
- 50.11%
- Q3
- 29.38%
- Median
- 18.31%
- Q1
- 14.26%
- Min
- -5.45%
COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | BRO | COF |
|---|---|---|
| Return on Equity (TTM) | 12.86% | 0.00% |
| Return on Assets (TTM) | 5.19% | 0.00% |
| Net Profit Margin (TTM) | 19.89% | 14.90% |
| Operating Profit Margin (TTM) | 30.11% | 18.33% |
| 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.
COF
--
Consumer Finance Industry
- Max
- 5.34
- Q3
- 4.21
- Median
- 2.67
- Q1
- 0.71
- Min
- 0.20
For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
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.
COF
0.47
Consumer Finance Industry
- Max
- 6.63
- Q3
- 3.39
- Median
- 2.21
- Q1
- 0.94
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.
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.
COF
--
Consumer Finance Industry
- Max
- 49.63
- Q3
- 39.33
- Median
- 4.56
- Q1
- 2.97
- Min
- -15.69
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.
Financial Strength at a Glance
| Symbol | BRO | COF |
|---|---|---|
| Current Ratio (MRQ) | 2.75 | -- |
| Quick Ratio (MRQ) | 2.65 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.65 | 0.47 |
| Interest Coverage Ratio (TTM) | 7.75 | -- |
Growth
Revenue Growth
EPS Growth
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.
COF
0.95%
Consumer Finance Industry
- Max
- 8.31%
- Q3
- 3.93%
- Median
- 2.51%
- Q1
- 0.84%
- Min
- 0.00%
COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.
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.
COF
23.78%
Consumer Finance Industry
- Max
- 145.89%
- Q3
- 88.53%
- Median
- 23.79%
- Q1
- 0.00%
- Min
- 0.00%
COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | BRO | COF |
|---|---|---|
| Dividend Yield (TTM) | 0.52% | 0.95% |
| Dividend Payout Ratio (TTM) | 16.40% | 23.78% |
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.
COF
28.43
Consumer Finance Industry
- Max
- 34.39
- Q3
- 20.36
- Median
- 13.05
- Q1
- 9.29
- Min
- 4.74
A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
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.
COF
1.12
Consumer Finance Industry
- Max
- 4.28
- Q3
- 2.67
- Median
- 1.88
- Q1
- 1.15
- Min
- 0.55
In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
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.
COF
1.23
Consumer Finance Industry
- Max
- 3.63
- Q3
- 2.40
- Median
- 1.96
- Q1
- 1.16
- Min
- 0.26
COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | BRO | COF |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 31.30 | 28.43 |
| Price-to-Sales Ratio (TTM) | 6.22 | 1.12 |
| Price-to-Book Ratio (MRQ) | 3.15 | 1.23 |
| Price-to-Free Cash Flow Ratio (TTM) | 24.91 | 7.60 |