WallStSmart

Brown & Brown Inc (BRO)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 425% more annual revenue ($6.66B vs $1.27B). BRO leads profitability with a 18.1% profit margin vs 14.3%. BRO appears more attractively valued with a PEG of 1.51. 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

TREE

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

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

TREE4 strengths · Avg: 9.5/10
P/E RatioValuation
2.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Return on EquityProfitability
56.6%10/10

Every $100 of equity generates 57 in profit

Revenue GrowthGrowth
25.3%8/10

Revenue surging 25.3% year-over-year

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

TREE4 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.6%4/10

4.6% earnings growth

Market CapQuality
$393.25M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.353/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

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 : TREE

The strongest argument for TREE centers on P/E Ratio, Price/Book, Return on Equity. Revenue growth of 25.3% demonstrates continued momentum.

Bear Case : BRO

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

Bear Case : TREE

The primary concerns for TREE are EPS Growth, Market Cap, Debt/Equity.

Key Dynamics to Monitor

TREE carries more volatility with a beta of 2.08 — 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.

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

Bottom Line

BRO scores higher overall (75/100 vs 64/100), 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.

Lendingtree Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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