Brown & Brown Inc (BRO)vsCrawford & Company (CRD-B)
BRO
Brown & Brown Inc
$64.29
-3.32%
FINANCIAL SERVICES · Cap: $21.95B
CRD-B
Crawford & Company
$9.81
-2.87%
FINANCIAL SERVICES · Cap: $527.17M
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 355% more annual revenue ($5.76B vs $1.27B). BRO leads profitability with a 18.3% profit margin vs 1.6%. CRD-B appears more attractively valued with a PEG of 0.90. BRO earns a higher WallStSmart Score of 69/100 (B-).
BRO
Strong Buy69
out of 100
Grade: B-
CRD-B
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-211.9%
Fair Value
$21.49
Current Price
$64.29
$42.80 premium
Margin of Safety
+43.7%
Fair Value
$18.25
Current Price
$9.81
$8.44 discount
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%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 30.4% YoY
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 16.2%
Moderate valuation
Smaller company, higher risk/reward
1.6% margin — thin
Operating margin of 3.4%
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 : CRD-B
The strongest argument for CRD-B centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.90 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 : CRD-B
The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.63 is elevated, increasing financial risk. Thin 1.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
BRO profiles as a growth stock while CRD-B is a value 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.
BRO generates stronger free cash flow (424M), providing more financial flexibility.
Bottom Line
BRO scores higher overall (69/100 vs 55/100), backed by strong 18.3% margins and 36.2% revenue growth. CRD-B offers better value entry with a 43.7% margin of safety. 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.
Crawford & Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.
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