10-QPeriod: Q3 FY2013

BROWN & BROWN, INC. Quarterly Report for Q3 Ended Sep 30, 2013

Filed November 7, 2013For Securities:BRO

Summary

Brown & Brown, Inc. (BRO) reported strong financial performance for the nine months ended September 30, 2013. Total revenues grew by 13.7% to $1,020.1 million, driven primarily by a 14.1% increase in commissions and fees. Net income rose significantly by 20.1% to $169.9 million, with diluted EPS increasing to $1.16 from $0.97 in the prior year period. The company's strategic acquisitions, including the significant Beecher Carlson Holdings, Inc. acquisition in July 2013, contributed substantially to this growth, with a notable increase in goodwill and intangible assets on the balance sheet. The company demonstrated robust internal growth as well, with core organic commissions and fees increasing by 8.2% for the nine-month period, indicating healthy organic expansion across its various divisions. While the company experienced an increase in employee compensation and benefits, it was largely in line with revenue growth and acquisition integration, with efforts to improve operational efficiencies continuing. The balance sheet shows a substantial increase in total assets to $3.55 billion, largely due to goodwill and intangible assets from acquisitions. The company maintains a strong liquidity position and adequate capital resources to fund ongoing operations and future growth initiatives.

Financial Statements
Beta
Revenue$303.80M
Operating Expenses$222.15M
Interest Expense$4.01M
Net Income$49.50M
EPS (Basic)$0.17
EPS (Diluted)$0.17
Shares Outstanding (Basic)278.93M
Shares Outstanding (Diluted)284.19M

Key Highlights

  • 1Total revenues increased by 13.7% to $1,020.1 million for the nine months ended September 30, 2013.
  • 2Net income grew by 20.1% to $169.9 million for the nine months ended September 30, 2013.
  • 3Diluted Earnings Per Share (EPS) improved to $1.16 for the nine months ended September 30, 2013, from $0.97 in the prior year.
  • 4Acquisitions, notably Beecher Carlson Holdings, Inc., significantly boosted revenues and expanded the company's asset base, particularly goodwill and intangible assets.
  • 5Core organic commissions and fees demonstrated strong internal growth, increasing by 8.2% for the nine-month period.
  • 6The company maintained compliance with its debt covenants and expressed confidence in its liquidity position to meet obligations through at least the end of 2014.
  • 7Employee compensation and benefits increased by 11.9% for the nine months, reflecting both organic growth and integration of acquired businesses.

Frequently Asked Questions

Brown & Brown's total revenues increased by 13.7% to $1,020.1 million for the nine months ended September 30, 2013, compared to $897.2 million for the same period in 2012. This growth was primarily driven by a 14.1% increase in commissions and fees.

Acquisitions were a significant growth driver. The company completed several acquisitions during the period, including the substantial acquisition of Beecher Carlson Holdings, Inc. These acquisitions contributed to the increase in total revenues and expanded the company's goodwill and intangible assets on the balance sheet. For the nine months ended September 30, 2013, the aggregate purchase price of acquisitions was $484.3 million.

Profitability showed a strong upward trend. Net income increased by 20.1% to $169.9 million for the nine months ended September 30, 2013, from $141.4 million in the prior year. Diluted EPS also improved to $1.16 from $0.97, indicating enhanced earnings per share for shareholders.

The company reported $171.0 million in cash and cash equivalents at September 30, 2013. Management believes that existing cash, operating cash flow, and available credit facilities are sufficient to meet liquidity needs through at least the end of 2014. The company also noted its confidence in raising additional capital through debt or equity markets if needed for future acquisitions.