Brown & Brown Inc (BRO)vsRoyal Bank of Canada (RY)
BRO
Brown & Brown Inc
$66.19
-0.21%
FINANCIAL SERVICES · Cap: $22.81B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 908% more annual revenue ($67.15B vs $6.66B). RY leads profitability with a 33.9% profit margin vs 18.1%. BRO appears more attractively valued with a PEG of 1.51. BRO earns a higher WallStSmart Score of 75/100 (B).
BRO
Strong Buy75
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 41.8%
Revenue surging 32.4% year-over-year
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
BRO profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — 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 63/100), backed by strong 18.1% margins and 32.4% revenue growth. Both earn "Strong 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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