Brown & Brown Inc (BRO)vsGoosehead Insurance Inc (GSHD)
BRO
Brown & Brown Inc
$72.12
-3.04%
FINANCIAL SERVICES · Cap: $21.85B
GSHD
Goosehead Insurance Inc
$55.55
-2.34%
FINANCIAL SERVICES · Cap: $1.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 1597% more annual revenue ($6.81B vs $401.64M). BRO leads profitability with a 17.9% profit margin vs 8.8%. BRO trades at a lower P/E of 21.4x. BRO earns a higher WallStSmart Score of 61/100 (C+).
BRO
Buy61
out of 100
Grade: C+
GSHD
Buy59
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 24.0%
Every $100 of equity generates 176 in profit
Earnings expanding 122.2% YoY
Conservative balance sheet, low leverage
Strong operational efficiency at 23.4%
Revenue surging 20.7% year-over-year
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 1.0%
Distress zone — elevated risk
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BRO
The strongest argument for BRO centers on Debt/Equity, Price/Book, Operating Margin. Profitability is solid with margins at 17.9% and operating margin at 24.0%.
Bull Case : GSHD
The strongest argument for GSHD centers on Return on Equity, EPS Growth, Debt/Equity. Revenue growth of 20.7% demonstrates continued momentum.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.
Bear Case : GSHD
The primary concerns for GSHD are P/E Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
BRO profiles as a mature stock while GSHD is a growth play — different risk/reward profiles.
GSHD carries more volatility with a beta of 1.45 — expect wider price swings.
GSHD is growing revenue faster at 20.7% — sustainability is the question.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BRO scores higher overall (61/100 vs 59/100), backed by strong 17.9% margins. Both earn "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.
Goosehead Insurance Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Goosehead Insurance, Inc. is a portfolio company of Goosehead Financial, LLC providing personal lines insurance agency services in the United States. The company is headquartered in Westlake, Texas.
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