BRO vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BRO and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | BRO | CRCL |
|---|---|---|
| Company Name | Brown & Brown, Inc. | Circle Internet Group |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Insurance | Software |
| Market Capitalization | 31.64 billion USD | 37.93 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 11, 1981 | June 5, 2025 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of BRO and CRCL 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 | CRCL |
|---|---|---|
| 5-Day Price Return | 3.68% | 0.15% |
| 13-Week Price Return | -13.41% | -- |
| 26-Week Price Return | -11.00% | -- |
| 52-Week Price Return | -3.67% | -- |
| Month-to-Date Return | 4.97% | -16.54% |
| Year-to-Date Return | -5.99% | 84.02% |
| 10-Day Avg. Volume | 3.60M | 12.89M |
| 3-Month Avg. Volume | 3.18M | 28.46M |
| 3-Month Volatility | 26.77% | -- |
| Beta | 0.81 | -5.76 |
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.
CRCL
--
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
Return on Equity data for CRCL is currently unavailable.
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.
CRCL
--
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
Net Profit Margin data for CRCL is currently unavailable.
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.
CRCL
--
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
Operating Profit Margin data for CRCL is currently unavailable.
Profitability at a Glance
| Symbol | BRO | CRCL |
|---|---|---|
| Return on Equity (TTM) | 12.86% | -- |
| Return on Assets (TTM) | 5.19% | -- |
| Net Profit Margin (TTM) | 19.89% | -- |
| Operating Profit Margin (TTM) | 30.11% | -- |
| 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.
CRCL
1.02
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
CRCL’s Current Ratio of 1.02 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
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.
CRCL
0.02
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
CRCL’s Debt-to-Equity Ratio of 0.02 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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.
CRCL
--
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
Interest Coverage Ratio data for CRCL is currently unavailable.
Financial Strength at a Glance
| Symbol | BRO | CRCL |
|---|---|---|
| Current Ratio (MRQ) | 2.75 | 1.02 |
| Quick Ratio (MRQ) | 2.65 | 1.02 |
| Debt-to-Equity Ratio (MRQ) | 0.65 | 0.02 |
| 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.
CRCL
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
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.
CRCL
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | BRO | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 0.52% | 0.00% |
| Dividend Payout Ratio (TTM) | 16.40% | 0.00% |
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.
CRCL
--
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
P/E Ratio data for CRCL is currently unavailable.
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.
CRCL
--
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
P/S Ratio data for CRCL is currently unavailable.
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.
CRCL
--
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
P/B Ratio data for CRCL is currently unavailable.
Valuation at a Glance
| Symbol | BRO | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 31.30 | -- |
| Price-to-Sales Ratio (TTM) | 6.22 | -- |
| Price-to-Book Ratio (MRQ) | 3.15 | -- |
| Price-to-Free Cash Flow Ratio (TTM) | 24.91 | -- |