WallStSmart

Accelerant Holdings (ARX)vsBrown & Brown Inc (BRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 556% more annual revenue ($6.26B vs $953.90M). BRO leads profitability with a 18.4% profit margin vs -150.6%. BRO earns a higher WallStSmart Score of 71/100 (B).

ARX

Avoid

34

out of 100

Grade: F

Growth: 7.3Profit: 2.5Value: 5.0Quality: 5.0
Piotroski: 5/9Altman Z: -0.52

BRO

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ARX2 strengths · Avg: 9.5/10
Revenue GrowthGrowth
59.7%10/10

Revenue surging 59.7% year-over-year

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
47.2%10/10

Strong operational efficiency at 47.2%

Revenue GrowthGrowth
35.7%10/10

Revenue surging 35.7% year-over-year

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

ARX4 concerns · Avg: 2.0/10
Return on EquityProfitability
-197.2%2/10

ROE of -197.2% — below average capital efficiency

EPS GrowthGrowth
-11.1%2/10

Earnings declined 11.1%

Free Cash FlowQuality
$-28.10M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.522/10

Distress zone — elevated risk

BRO4 concerns · Avg: 2.8/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-7.9%2/10

Earnings declined 7.9%

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ARX

The strongest argument for ARX centers on Revenue Growth, Debt/Equity. Revenue growth of 59.7% demonstrates continued momentum.

Bull Case : BRO

The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.4% and operating margin at 47.2%. Revenue growth of 35.7% demonstrates continued momentum.

Bear Case : ARX

The primary concerns for ARX are Return on Equity, EPS Growth, Free Cash Flow.

Bear Case : BRO

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

Key Dynamics to Monitor

ARX profiles as a hypergrowth stock while BRO is a growth play — different risk/reward profiles.

ARX is growing revenue faster at 59.7% — sustainability is the question.

BRO generates stronger free cash flow (241M), providing more financial flexibility.

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

Bottom Line

BRO scores higher overall (71/100 vs 34/100), backed by strong 18.4% margins and 35.7% 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.

Accelerant Holdings

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Accelerant Holdings (ARX) is an innovative specialty insurance and reinsurance provider committed to meeting the unique demands of underserved markets. By leveraging advanced data analytics and technology, the company enhances underwriting performance through a collaborative membership model that promotes innovation among its insurance partners. This strategic focus on optimizing risk management positions Accelerant for sustainable growth in a dynamic insurance landscape, allowing it to capitalize on emerging opportunities while reinforcing its commitment to operational excellence and agility.

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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.

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