{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-019915","form_type":"8-K","ticker":"BRO","cik":"0000079282","company_name":"BROWN & BROWN, INC.","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.579143+00:00","generated_at":"2026-06-23T01:46:52.459712+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Brown & Brown Q3 revenue up 20.4% to $927.6M; adj. EPS down 13.8% on Hurricane Ian costs","bullets":["Diluted EPS of $0.57; adjusted EPS of $0.50 (down 13.8% YoY) due to ~$15M profit-sharing hit and ~$11.5M captive losses from Hurricane Ian.","Organic revenue growth of 6.7%; commissions and fees up 20.2% driven by acquisitions including GRP & BdB.","International operations now deliver ~12% of total revenues; company welcomed over 2,500 new teammates from GRP & BdB.","EBITDAC - Adjusted margin fell to 31.2% from 35.6% a year ago; income before tax margin dropped to 23.5% from 25.5%.","Nine-month diluted EPS rose 8.2% to $1.85; adjusted EPS up 2.3% to $1.79."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-019915","json":"https://secwatch.observer/filing/0000950170-22-019915.json","markdown":"https://secwatch.observer/filing/0000950170-22-019915.md","text":"https://secwatch.observer/filing/0000950170-22-019915.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/79282/000095017022019915/0000950170-22-019915-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/79282/000095017022019915/bro-20221024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:46:52.459712+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}