WallStSmart

Brown & Brown Inc (BRO)vsWillis Towers Watson PLC (WTW)

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Smart Verdict

WallStSmart Research — data-driven comparison

Willis Towers Watson PLC generates 48% more annual revenue ($10.10B vs $6.81B). BRO leads profitability with a 17.9% profit margin vs 15.5%. WTW appears more attractively valued with a PEG of 1.08. BRO earns a higher WallStSmart Score of 61/100 (C+).

BRO

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 5.0Quality: 5.5
Piotroski: 2/9Altman Z: 1.14

WTW

Buy

60

out of 100

Grade: C

Growth: 4.0Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.91

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 8.7/10
Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.0%8/10

Strong operational efficiency at 24.0%

WTW1 strengths · Avg: 9.0/10
Return on EquityProfitability
20.4%9/10

Every $100 of equity generates 20 in profit

Areas to Watch

BRO4 concerns · Avg: 2.8/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-1.0%2/10

Earnings declined 1.0%

Altman Z-ScoreHealth
1.142/10

Distress zone — elevated risk

WTW2 concerns · Avg: 2.0/10
EPS GrowthGrowth
-26.8%2/10

Earnings declined 26.8%

Altman Z-ScoreHealth
0.912/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRO

The strongest argument for BRO centers on Debt/Equity, Price/Book, Operating Margin. Profitability is solid with margins at 17.9% and operating margin at 24.0%.

Bull Case : WTW

The strongest argument for WTW centers on Return on Equity. Profitability is solid with margins at 15.5% and operating margin at 17.6%. PEG of 1.08 suggests the stock is reasonably priced for its growth.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.

Bear Case : WTW

The primary concerns for WTW are EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BRO carries more volatility with a beta of 0.59 — expect wider price swings.

BRO is growing revenue faster at 9.7% — sustainability is the question.

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

Bottom Line

BRO scores higher overall (61/100 vs 60/100), backed by strong 17.9% margins. Both earn "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.

Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm, dedicated to delivering innovative risk management, insurance, and consulting services across more than 140 countries. With a strong emphasis on advanced data analytics and technology, WTW provides tailored solutions to address critical issues in health, retirement, and talent management for a diverse client base, including multinational corporations and small businesses. The firm’s commitment to driving sustainable growth and enhancing client engagement positions it as a trusted partner in navigating complex market dynamics, further solidifying its status as an industry leader.

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