Brown & Brown Inc (BRO)vsThe Baldwin Insurance Group, Inc. (BWIN)
BRO
Brown & Brown Inc
$64.29
-3.32%
FINANCIAL SERVICES · Cap: $21.95B
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 283% more annual revenue ($5.76B vs $1.50B). BRO leads profitability with a 18.3% profit margin vs -2.3%. BRO earns a higher WallStSmart Score of 69/100 (B-).
BRO
Strong Buy69
out of 100
Grade: B-
BWIN
Avoid32
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-211.9%
Fair Value
$21.49
Current Price
$64.29
$42.80 premium
Intrinsic value data unavailable for BWIN.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 36.2% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 23.2%
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 16.2%
Weak financial health signals
ROE of -5.2% — below average capital efficiency
Earnings declined 39.4%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : BWIN
The strongest argument for BWIN centers on Price/Book.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.
Bear Case : BWIN
The primary concerns for BWIN are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
BRO profiles as a growth stock while BWIN is a turnaround play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
BRO is growing revenue faster at 36.2% — sustainability is the question.
BRO generates stronger free cash flow (424M), providing more financial flexibility.
Bottom Line
BRO scores higher overall (69/100 vs 32/100), backed by strong 18.3% margins and 36.2% 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.
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.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
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