Brown & Brown Inc (BRO)vsErie Indemnity Company (ERIE)
BRO
Brown & Brown Inc
$72.12
-3.04%
FINANCIAL SERVICES · Cap: $21.85B
ERIE
Erie Indemnity Company
$273.07
-4.40%
FINANCIAL SERVICES · Cap: $12.91B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 65% more annual revenue ($6.81B vs $4.12B). BRO leads profitability with a 17.9% profit margin vs 14.0%. BRO appears more attractively valued with a PEG of 1.72. BRO earns a higher WallStSmart Score of 61/100 (C+).
BRO
Buy61
out of 100
Grade: C+
ERIE
Buy50
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 24.0%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 23 in profit
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Earnings declined 1.0%
Distress zone — elevated risk
2.8% revenue growth
3.2% earnings growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : BRO
The strongest argument for BRO centers on Debt/Equity, Price/Book, Operating Margin. Profitability is solid with margins at 17.9% and operating margin at 24.0%.
Bull Case : ERIE
The strongest argument for ERIE centers on Debt/Equity, Altman Z-Score, Return on Equity.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.
Bear Case : ERIE
The primary concerns for ERIE are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
BRO profiles as a mature stock while ERIE is a value play — different risk/reward profiles.
BRO carries more volatility with a beta of 0.59 — expect wider price swings.
BRO is growing revenue faster at 9.7% — sustainability is the question.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BRO scores higher overall (61/100 vs 50/100), backed by strong 17.9% margins. Both earn "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.
Erie Indemnity Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.
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