WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 355% more annual revenue ($5.76B vs $1.27B). BRO leads profitability with a 18.3% profit margin vs 1.6%. CRD-B appears more attractively valued with a PEG of 0.90. BRO earns a higher WallStSmart Score of 69/100 (B-).

BRO

Strong Buy

69

out of 100

Grade: B-

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

CRD-B

Buy

55

out of 100

Grade: C-

Growth: 5.3Profit: 5.0Value: 10.0Quality: 6.5
Piotroski: 2/9Altman Z: 2.52
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BROSignificantly Overvalued (-211.9%)

Margin of Safety

-211.9%

Fair Value

$21.49

Current Price

$64.29

$42.80 premium

UndervaluedFair: $21.49Overvalued
CRD-BUndervalued (+43.7%)

Margin of Safety

+43.7%

Fair Value

$18.25

Current Price

$9.81

$8.44 discount

UndervaluedFair: $18.25Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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%

CRD-B3 strengths · Avg: 8.0/10
PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
30.4%8/10

Earnings expanding 30.4% YoY

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

EPS GrowthGrowth
-16.2%2/10

Earnings declined 16.2%

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
26.4x4/10

Moderate valuation

Market CapQuality
$527.17M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : CRD-B

The strongest argument for CRD-B centers on PEG Ratio, Price/Book, EPS Growth. 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, EPS Growth.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.63 is elevated, increasing financial risk. Thin 1.6% 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.

BRO carries more volatility with a beta of 0.80 — expect wider price swings.

BRO is growing revenue faster at 36.2% — sustainability is the question.

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

Bottom Line

BRO scores higher overall (69/100 vs 55/100), backed by strong 18.3% margins and 36.2% revenue growth. CRD-B offers better value entry with a 43.7% margin of safety. 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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