Brown & Brown Inc (BRO)vsErie Indemnity Company (ERIE)
BRO
Brown & Brown Inc
$71.43
+0.35%
FINANCIAL SERVICES · Cap: $23.56B
ERIE
Erie Indemnity Company
$252.58
-0.58%
FINANCIAL SERVICES · Cap: $12.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 62% more annual revenue ($6.66B vs $4.12B). BRO leads profitability with a 18.1% profit margin vs 14.0%. BRO appears more attractively valued with a PEG of 1.51. BRO earns a higher WallStSmart Score of 75/100 (B).
BRO
Strong Buy75
out of 100
Grade: B
ERIE
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 41.8%
Revenue surging 32.4% year-over-year
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Every $100 of equity generates 24 in profit
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
2.8% revenue growth
3.2% earnings growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 : ERIE
The strongest argument for ERIE centers on Altman Z-Score, Return on Equity.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : ERIE
The primary concerns for ERIE are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
BRO profiles as a growth stock while ERIE is a value play — different risk/reward profiles.
BRO carries more volatility with a beta of 0.60 — 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.
Erie Indemnity Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.
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