Brown & Brown Inc (BRO)vsNeptune Insurance Holdings Inc. (NP)
BRO
Brown & Brown Inc
$58.86
+2.58%
FINANCIAL SERVICES · Cap: $20.33B
NP
Neptune Insurance Holdings Inc.
$25.49
+5.86%
FINANCIAL SERVICES · Cap: $3.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 3625% more annual revenue ($6.26B vs $167.99M). NP leads profitability with a 20.7% profit margin vs 18.4%. BRO earns a higher WallStSmart Score of 71/100 (B).
BRO
Strong Buy71
out of 100
Grade: B
NP
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 47.2%
Revenue surging 35.7% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 35.6%
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Revenue surging 28.8% year-over-year
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 7.9%
Distress zone — elevated risk
3.1% earnings growth
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
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 18.4% and operating margin at 47.2%. Revenue growth of 35.7% demonstrates continued momentum.
Bull Case : NP
The strongest argument for NP centers on Operating Margin, Debt/Equity, Profit Margin. Profitability is solid with margins at 20.7% and operating margin at 35.6%. Revenue growth of 28.8% 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 EPS Growth, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
BRO is growing revenue faster at 35.7% — sustainability is the question.
BRO generates stronger free cash flow (241M), providing more financial flexibility.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BRO scores higher overall (71/100 vs 47/100), backed by strong 18.4% margins and 35.7% 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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