WallStSmart

Brown & Brown Inc (BRO)vseHealth Inc (EHTH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 1083% more annual revenue ($6.26B vs $528.91M). BRO leads profitability with a 18.4% profit margin vs 6.3%. EHTH appears more attractively valued with a PEG of 0.72. BRO earns a higher WallStSmart Score of 71/100 (B).

BRO

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

EHTH

Hold

49

out of 100

Grade: D+

Growth: 4.0Profit: 4.5Value: 6.0Quality: 8.0
Piotroski: 2/9Altman Z: 2.90

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
47.2%10/10

Strong operational efficiency at 47.2%

Revenue GrowthGrowth
35.7%10/10

Revenue surging 35.7% year-over-year

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EHTH3 strengths · Avg: 9.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.149/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Areas to Watch

BRO4 concerns · Avg: 2.8/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-7.9%2/10

Earnings declined 7.9%

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

EHTH4 concerns · Avg: 3.0/10
Market CapQuality
$54.91M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Profit MarginProfitability
6.3%3/10

6.3% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

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 18.4% and operating margin at 47.2%. Revenue growth of 35.7% demonstrates continued momentum.

Bull Case : EHTH

The strongest argument for EHTH centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.72 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 : EHTH

The primary concerns for EHTH are Market Cap, Return on Equity, Profit Margin.

Key Dynamics to Monitor

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

EHTH carries more volatility with a beta of 1.48 — expect wider price swings.

BRO is growing revenue faster at 35.7% — sustainability is the question.

BRO generates stronger free cash flow (241M), providing more financial flexibility.

Bottom Line

BRO scores higher overall (71/100 vs 49/100), backed by strong 18.4% margins and 35.7% revenue growth. Both earn "Strong Buy" and "Hold" 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.

eHealth Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China. The company is headquartered in Santa Clara, California.

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