WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Willis Towers Watson PLC generates 68% more annual revenue ($9.71B vs $5.76B). BRO leads profitability with a 18.3% profit margin vs 16.5%. WTW appears more attractively valued with a PEG of 1.08. BRO earns a higher WallStSmart Score of 69/100 (B-).

BRO

Strong Buy

69

out of 100

Grade: B-

Growth: 6.7Profit: 7.0Value: 7.3Quality: 4.5
Piotroski: 2/9

WTW

Buy

62

out of 100

Grade: C+

Growth: 2.7Profit: 8.0Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 0.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BROSignificantly Overvalued (-210.0%)

Margin of Safety

-210.0%

Fair Value

$21.62

Current Price

$66.50

$44.88 premium

UndervaluedFair: $21.62Overvalued
WTWSignificantly Overvalued (-153.5%)

Margin of Safety

-153.5%

Fair Value

$110.50

Current Price

$293.36

$182.86 premium

UndervaluedFair: $110.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 8.7/10
Revenue GrowthGrowth
36.2%10/10

Revenue surging 36.2% year-over-year

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.2%8/10

Strong operational efficiency at 23.2%

WTW3 strengths · Avg: 9.0/10
Operating MarginProfitability
35.4%10/10

Strong operational efficiency at 35.4%

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

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

EPS GrowthGrowth
-16.2%2/10

Earnings declined 16.2%

WTW3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

EPS GrowthGrowth
-38.2%2/10

Earnings declined 38.2%

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 Revenue Growth, Price/Book, Operating Margin. Profitability is solid with margins at 18.3% and operating margin at 23.2%. Revenue growth of 36.2% demonstrates continued momentum.

Bull Case : WTW

The strongest argument for WTW centers on Operating Margin, Return on Equity, P/E Ratio. Profitability is solid with margins at 16.5% and operating margin at 35.4%. 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 Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BRO profiles as a growth stock while WTW is a declining play — different risk/reward profiles.

BRO carries more volatility with a beta of 0.80 — expect wider price swings.

BRO is growing revenue faster at 36.2% — sustainability is the question.

WTW generates stronger free cash flow (708M), providing more financial flexibility.

Bottom Line

BRO scores higher overall (69/100 vs 62/100), backed by strong 18.3% margins and 36.2% 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.

Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.

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