{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-251743","form_type":"8-K","ticker":"BRO","cik":"0000079282","company_name":"BROWN & BROWN, INC.","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.176461+00:00","generated_at":"2026-05-17T02:16:37.993946+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Brown & Brown Q3 revenue $1.6B (+35.4%), organic growth 3.5%; adj. EPS $1.05 (+15.4%)","bullets":["Q3 revenues $1.6B (+35.4% YoY), commissions and fees up 34.2%; organic revenue growth 3.5%.","GAAP diluted EPS $0.68 (down 16%); adjusted diluted EPS $1.05 (up 15.4%).","Net income attributable to BRO $227M (down 3%) despite revenue surge; margin compression from acquisition costs.","EBITDAC-Adjusted $587M (+41.8%), margin improved to 36.6% from 34.9%.","Nine-month revenues $4.3B (+18.6%); organic growth 4.6%; balance sheet reflects $7.7B in acquisitions."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-251743","json":"https://secwatch.observer/filing/0001193125-25-251743.json","markdown":"https://secwatch.observer/filing/0001193125-25-251743.md","text":"https://secwatch.observer/filing/0001193125-25-251743.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/79282/000119312525251743/0001193125-25-251743-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/79282/000119312525251743/bro-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:16:37.993946+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"}