BRO vs. FNF: Brown & Brown vs. Fidelity National Financial Stock Comparison

Company Profile

Brown & Brown (BRO) and Fidelity National Financial (FNF) both belong to the Insurance industry, though BRO is classified under Insurance Brokers while FNF falls under Property & Casualty Insurance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Brown & Brown (BRO) at 9.80% and Fidelity National Financial (FNF) at 15.10% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Brown & Brown (BRO) at 17.88% retains a top-quartile share of revenue as profit, ahead of Fidelity National Financial (FNF) at 7.00%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Brown & Brown (BRO) in Insurance and Fidelity National Financial (FNF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while Fidelity National Financial (FNF) at 5.88% is closer to the peer norm — faster top-line expansion for BRO.

Brown & Brown (BRO) at -8.67% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Brown & Brown (BRO) in Insurance and Fidelity National Financial (FNF) 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-to-equity ratio is set aside for both: Brown & Brown (BRO) in Insurance and Fidelity National Financial (FNF) 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

Dividends

Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Brown & Brown (BRO) at 0.89% pays a more typical yield — both are credible income propositions, FNF the richer one.

Brown & Brown (BRO) at 20.89% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Fidelity National Financial (FNF) at 11.21 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.

Fidelity National Financial (FNF) at 0.79 looks cheap on sales in the lower P/S ratio quartile, while Brown & Brown (BRO) at 3.51 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

On P/B ratio, both Brown & Brown (BRO) at 1.87 and Fidelity National Financial (FNF) at 1.59 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics