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

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

Company Profile

SymbolBROSTT
Company NameBrown & Brown, Inc.State Street Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceCapital Markets
Market Capitalization31.64 billion USD31.63 billion USD
ExchangeNYSENYSE
Listing DateFebruary 11, 1981March 17, 1980
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of BRO and STT 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. STT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolBROSTT
5-Day Price Return3.68%1.53%
13-Week Price Return-13.41%16.15%
26-Week Price Return-11.00%11.96%
52-Week Price Return-3.67%43.82%
Month-to-Date Return4.97%-0.22%
Year-to-Date Return-5.99%13.60%
10-Day Avg. Volume3.60M1.56M
3-Month Avg. Volume3.18M2.12M
3-Month Volatility26.77%24.02%
Beta0.811.51

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.

STT

10.85%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

STT’s Return on Equity of 10.85% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

BRO vs. STT: A comparison of their Return on Equity (TTM) against their respective Insurance and Capital Markets 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.

STT

20.50%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

STT’s Net Profit Margin of 20.50% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

BRO vs. STT: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Capital Markets 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.

STT

24.96%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

STT’s Operating Profit Margin of 24.96% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolBROSTT
Return on Equity (TTM)12.86%10.85%
Return on Assets (TTM)5.19%0.79%
Net Profit Margin (TTM)19.89%20.50%
Operating Profit Margin (TTM)30.11%24.96%
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.

STT

--

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

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

BRO vs. STT: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets 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.

STT

1.40

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

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

BRO vs. STT: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Capital Markets 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.

STT

--

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

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

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

Financial Strength at a Glance

SymbolBROSTT
Current Ratio (MRQ)2.75--
Quick Ratio (MRQ)2.65--
Debt-to-Equity Ratio (MRQ)0.651.40
Interest Coverage Ratio (TTM)7.75--

Growth

Revenue Growth

BRO vs. STT: 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. STT: 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.

STT

3.38%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

STT’s Dividend Yield of 3.38% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

BRO vs. STT: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets 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.

STT

37.74%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

STT’s Dividend Payout Ratio of 37.74% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolBROSTT
Dividend Yield (TTM)0.52%3.38%
Dividend Payout Ratio (TTM)16.40%37.74%

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.

STT

11.18

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

In the lower quartile for the Capital Markets industry, STT’s P/E Ratio of 11.18 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

BRO vs. STT: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Capital Markets 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.

STT

1.80

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

In the lower quartile for the Capital Markets industry, STT’s P/S Ratio of 1.80 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.

BRO vs. STT: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Capital Markets 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.

STT

1.11

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

STT’s P/B Ratio of 1.11 is in the lower quartile for the Capital Markets 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. STT: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolBROSTT
Price-to-Earnings Ratio (TTM)31.3011.18
Price-to-Sales Ratio (TTM)6.221.80
Price-to-Book Ratio (MRQ)3.151.11
Price-to-Free Cash Flow Ratio (TTM)24.916.86