WallStSmart

Accelerant Holdings (ARX)vsBrown & Brown Inc (BRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 573% more annual revenue ($5.76B vs $856.30M). BRO leads profitability with a 18.3% profit margin vs -1.7%. BRO earns a higher WallStSmart Score of 69/100 (B-).

ARX

Avoid

34

out of 100

Grade: F

Growth: 7.3Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 2/9Altman Z: 1.05

BRO

Strong Buy

69

out of 100

Grade: B-

Growth: 6.7Profit: 7.0Value: 7.3Quality: 4.5
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for ARX.

BROSignificantly Overvalued (-211.9%)

Margin of Safety

-211.9%

Fair Value

$21.49

Current Price

$64.29

$42.80 premium

UndervaluedFair: $21.49Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ARX2 strengths · Avg: 9.5/10
Revenue GrowthGrowth
49.2%10/10

Revenue surging 49.2% year-over-year

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

BRO3 strengths · Avg: 8.7/10
Revenue GrowthGrowth
36.2%10/10

Revenue surging 36.2% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.2%8/10

Strong operational efficiency at 23.2%

Areas to Watch

ARX4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-2.5%2/10

ROE of -2.5% — below average capital efficiency

EPS GrowthGrowth
-11.1%2/10

Earnings declined 11.1%

Altman Z-ScoreHealth
1.052/10

Distress zone — elevated risk

BRO3 concerns · Avg: 3.0/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-16.2%2/10

Earnings declined 16.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : ARX

The strongest argument for ARX centers on Revenue Growth, Debt/Equity. Revenue growth of 49.2% demonstrates continued momentum.

Bull Case : BRO

The strongest argument for BRO centers on Revenue Growth, Price/Book, Operating Margin. Profitability is solid with margins at 18.3% and operating margin at 23.2%. Revenue growth of 36.2% demonstrates continued momentum.

Bear Case : ARX

The primary concerns for ARX are Piotroski F-Score, Return on Equity, EPS Growth.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

ARX profiles as a hypergrowth stock while BRO is a growth play — different risk/reward profiles.

ARX is growing revenue faster at 49.2% — sustainability is the question.

BRO generates stronger free cash flow (424M), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BRO scores higher overall (69/100 vs 34/100), backed by strong 18.3% margins and 36.2% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Accelerant Holdings

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Accelerant Holdings (ARX) is a pioneering specialty insurance and reinsurance provider that tailors its offerings to meet the unique needs of underserved markets. Leveraging advanced data analytics and innovative technology, the company empowers its insurance partners to enhance underwriting performance and foster growth through a distinctive membership model. This collaborative strategy not only optimizes risk management but also underscores Accelerant's commitment to agility and innovation in a rapidly changing insurance landscape. By focusing on strategic partnerships, Accelerant positions itself for sustainable growth and operational excellence, capitalizing on emerging opportunities in the evolving market.

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Brown & Brown Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Brown & Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, the Cayman Islands, Ireland, and the United Kingdom. The company is headquartered in Daytona Beach, Florida.

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