BRO vs. TRV: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BRO and TRV, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | BRO | TRV |
|---|---|---|
| Company Name | Brown & Brown, Inc. | The Travelers Companies, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 31.64 billion USD | 60.63 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 11, 1981 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of BRO and TRV 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 | TRV |
|---|---|---|
| 5-Day Price Return | 3.68% | 1.48% |
| 13-Week Price Return | -13.41% | 0.46% |
| 26-Week Price Return | -11.00% | 8.75% |
| 52-Week Price Return | -3.67% | 28.40% |
| Month-to-Date Return | 4.97% | 3.48% |
| Year-to-Date Return | -5.99% | 11.79% |
| 10-Day Avg. Volume | 3.60M | 1.15M |
| 3-Month Avg. Volume | 3.18M | 1.31M |
| 3-Month Volatility | 26.77% | 21.27% |
| Beta | 0.81 | 0.53 |
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.
TRV
18.53%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, TRV’s Return on Equity of 18.53% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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.
TRV
10.96%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
TRV’s Net Profit Margin of 10.96% is aligned with the median group of its peers in the Insurance 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.
TRV
14.43%
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.
Profitability at a Glance
| Symbol | BRO | TRV |
|---|---|---|
| Return on Equity (TTM) | 12.86% | 18.53% |
| Return on Assets (TTM) | 5.19% | 3.87% |
| Net Profit Margin (TTM) | 19.89% | 10.96% |
| Operating Profit Margin (TTM) | 30.11% | 14.43% |
| 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.
TRV
1.00
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.
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.
TRV
0.27
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.
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.
TRV
16.77
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.
Financial Strength at a Glance
| Symbol | BRO | TRV |
|---|---|---|
| Current Ratio (MRQ) | 2.75 | 1.00 |
| Quick Ratio (MRQ) | 2.65 | 1.00 |
| Debt-to-Equity Ratio (MRQ) | 0.65 | 0.27 |
| Interest Coverage Ratio (TTM) | 7.75 | 16.77 |
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.
TRV
1.61%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
TRV’s Dividend Yield of 1.61% 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.
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.
TRV
18.45%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
TRV’s Dividend Payout Ratio of 18.45% 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.
Dividend at a Glance
| Symbol | BRO | TRV |
|---|---|---|
| Dividend Yield (TTM) | 0.52% | 1.61% |
| Dividend Payout Ratio (TTM) | 16.40% | 18.45% |
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.
TRV
11.44
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
TRV’s P/E Ratio of 11.44 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
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.
TRV
1.25
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
TRV’s P/S Ratio of 1.25 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
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.
TRV
2.04
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
TRV’s P/B Ratio of 2.04 is within the conventional range for the Insurance 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 | TRV |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 31.30 | 11.44 |
| Price-to-Sales Ratio (TTM) | 6.22 | 1.25 |
| Price-to-Book Ratio (MRQ) | 3.15 | 2.04 |
| Price-to-Free Cash Flow Ratio (TTM) | 24.91 | 6.23 |