WallStSmart

Brown & Brown Inc (BRO)vsCrawford & Company (CRD-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 428% more annual revenue ($6.66B vs $1.26B). BRO leads profitability with a 18.1% profit margin vs 1.9%. CRD-B appears more attractively valued with a PEG of 0.90. BRO earns a higher WallStSmart Score of 75/100 (B).

BRO

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

CRD-B

Buy

53

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
41.8%10/10

Strong operational efficiency at 41.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

CRD-B2 strengths · Avg: 9.0/10
EPS GrowthGrowth
76.1%10/10

Earnings expanding 76.1% YoY

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Areas to Watch

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

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Market CapQuality
$562.06M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Debt/EquityHealth
1.453/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BRO

The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bull Case : CRD-B

The strongest argument for CRD-B centers on EPS Growth, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

BRO profiles as a growth stock while CRD-B is a value play — different risk/reward profiles.

CRD-B carries more volatility with a beta of 0.63 — expect wider price swings.

BRO is growing revenue faster at 32.4% — sustainability is the question.

BRO generates stronger free cash flow (329M), providing more financial flexibility.

Bottom Line

BRO scores higher overall (75/100 vs 53/100), backed by strong 18.1% margins and 32.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

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.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

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