WallStSmart

Brown & Brown Inc (BRO)vsCorVel Corp (CRVL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 577% more annual revenue ($6.66B vs $983.74M). BRO leads profitability with a 18.1% profit margin vs 11.7%. BRO trades at a lower P/E of 21.8x. BRO earns a higher WallStSmart Score of 75/100 (B).

BRO

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

CRVL

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 8.0Value: 5.3Quality: 8.0
Piotroski: 4/9Altman Z: 5.82

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
41.8%10/10

Strong operational efficiency at 41.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

CRVL4 strengths · Avg: 9.3/10
Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.8210/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
28.0%9/10

Every $100 of equity generates 28 in profit

EPS GrowthGrowth
21.2%8/10

Earnings expanding 21.2% YoY

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

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

CRVL2 concerns · Avg: 4.0/10
P/E RatioValuation
29.5x4/10

Moderate valuation

Price/BookValuation
8.6x4/10

Trading at 8.6x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : BRO

The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bull Case : CRVL

The strongest argument for CRVL centers on Debt/Equity, Altman Z-Score, Return on Equity. Revenue growth of 10.7% demonstrates continued momentum.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Bear Case : CRVL

The primary concerns for CRVL are P/E Ratio, Price/Book.

Key Dynamics to Monitor

BRO profiles as a growth stock while CRVL is a value play — different risk/reward profiles.

CRVL carries more volatility with a beta of 0.97 — expect wider price swings.

BRO is growing revenue faster at 32.4% — sustainability is the question.

BRO generates stronger free cash flow (329M), providing more financial flexibility.

Bottom Line

BRO scores higher overall (75/100 vs 57/100), backed by strong 18.1% margins and 32.4% 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.

CorVel Corp

FINANCIAL SERVICES · INSURANCE BROKERS · USA

CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.

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