WallStSmart

Brown & Brown Inc (BRO)vsReliance Global Group Inc (RELI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 50701% more annual revenue ($6.66B vs $13.12M). BRO leads profitability with a 18.1% profit margin vs -0.5%. RELI trades at a lower P/E of 3.8x. BRO earns a higher WallStSmart Score of 75/100 (B).

BRO

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

RELI

Avoid

31

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
41.8%10/10

Strong operational efficiency at 41.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

RELI2 strengths · Avg: 10.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Areas to Watch

BRO3 concerns · Avg: 3.0/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

RELI4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$4.09M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-1.5%2/10

ROE of -1.5% — below average capital efficiency

Revenue GrowthGrowth
-0.3%2/10

Revenue declined 0.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : BRO

The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bull Case : RELI

The strongest argument for RELI centers on P/E Ratio, Price/Book.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Bear Case : RELI

The primary concerns for RELI are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

BRO profiles as a growth stock while RELI is a turnaround play — different risk/reward profiles.

BRO carries more volatility with a beta of 0.58 — expect wider price swings.

BRO is growing revenue faster at 32.4% — sustainability is the question.

BRO generates stronger free cash flow (329M), providing more financial flexibility.

Bottom Line

BRO scores higher overall (75/100 vs 31/100), backed by strong 18.1% margins and 32.4% revenue growth. Both earn "Strong Buy" and "Avoid" 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.

Reliance Global Group Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Reliance Global Group, Inc. is engaged in the acquisition and management of wholesale and retail insurance agencies in the United States. The company is headquartered in Lakewood, New Jersey.

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