Brown & Brown Inc (BRO)vsErie Indemnity Company (ERIE)
BRO
Brown & Brown Inc
$66.50
-0.33%
FINANCIAL SERVICES · Cap: $22.89B
ERIE
Erie Indemnity Company
$240.53
-2.18%
FINANCIAL SERVICES · Cap: $12.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 42% more annual revenue ($5.76B vs $4.07B). BRO leads profitability with a 18.3% profit margin vs 13.8%. BRO appears more attractively valued with a PEG of 1.51. BRO earns a higher WallStSmart Score of 69/100 (B-).
BRO
Strong Buy69
out of 100
Grade: B-
ERIE
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-210.0%
Fair Value
$21.62
Current Price
$66.50
$44.88 premium
Margin of Safety
-285.5%
Fair Value
$72.76
Current Price
$240.53
$167.77 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 36.2% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 23.2%
Safe zone — low bankruptcy risk
Every $100 of equity generates 26 in profit
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 16.2%
2.9% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 58.4%
Comparative Analysis Report
WallStSmart ResearchBull 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 : 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, EPS Growth.
Bear Case : ERIE
The primary concerns for ERIE are Revenue Growth, Piotroski F-Score, PEG Ratio.
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 0.80 — 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 49/100), backed by strong 18.3% margins and 36.2% 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.
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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