WallStSmart

Brown & Brown Inc (BRO)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 135954% more annual revenue ($8.51T vs $6.26B). MUFG leads profitability with a 28.5% profit margin vs 18.4%. BRO appears more attractively valued with a PEG of 1.51. MUFG earns a higher WallStSmart Score of 73/100 (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

MUFG

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

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

MUFG5 strengths · Avg: 9.0/10
Market CapQuality
$214.24B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

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

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BRO

The strongest argument for BRO centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 18.4% and operating margin at 47.2%. Revenue growth of 35.7% demonstrates continued momentum.

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.

Bear Case : MUFG

The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.52 is elevated, increasing financial risk.

Key Dynamics to Monitor

BRO profiles as a growth stock while MUFG is a mature play — different risk/reward profiles.

BRO carries more volatility with a beta of 0.66 — expect wider price swings.

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

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MUFG scores higher overall (73/100 vs 71/100), backed by strong 28.5% margins and 11.7% revenue growth. Both earn "Strong Buy" and "Strong 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.

Mitsubishi UFJ Financial Group Inc ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Mitsubishi UFJ Financial Group, Inc., a banking holding company, offers financial services in Japan, the United States, and Asia / Oceania. The company is headquartered in Tokyo, Japan.

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