Brown & Brown Inc (BRO)vsNeptune Insurance Holdings Inc. (NP)
BRO
Brown & Brown Inc
$64.29
-3.32%
FINANCIAL SERVICES · Cap: $21.95B
NP
Neptune Insurance Holdings Inc.
$22.21
+1.18%
FINANCIAL SERVICES · Cap: $3.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 3512% more annual revenue ($5.76B vs $159.55M). NP leads profitability with a 23.4% profit margin vs 18.3%. BRO earns a higher WallStSmart Score of 69/100 (B-).
BRO
Strong Buy69
out of 100
Grade: B-
NP
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-211.9%
Fair Value
$21.49
Current Price
$64.29
$42.80 premium
Intrinsic value data unavailable for NP.
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%
Strong operational efficiency at 31.6%
Revenue surging 38.9% year-over-year
Keeps 23 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 16.2%
ROE of 0.0% — below average capital efficiency
Earnings declined 48.4%
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 : NP
The strongest argument for NP centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with margins at 23.4% and operating margin at 31.6%. Revenue growth of 38.9% demonstrates continued momentum.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.
Bear Case : NP
The primary concerns for NP are Return on Equity, EPS Growth.
Key Dynamics to Monitor
NP is growing revenue faster at 38.9% — sustainability is the question.
BRO generates stronger free cash flow (424M), providing more financial flexibility.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
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.
Neptune Insurance Holdings Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Neenah, Inc., a specialty materials company, produces and sells performance-based technical products and fine paper and packaging products worldwide. The company is headquartered in Alpharetta, Georgia.
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