Brown & Brown Inc (BRO)vsNeptune Insurance Holdings Inc. (NP)
BRO
Brown & Brown Inc
$66.19
-0.21%
FINANCIAL SERVICES · Cap: $22.81B
NP
Neptune Insurance Holdings Inc.
$31.60
+1.48%
FINANCIAL SERVICES · Cap: $4.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 3565% more annual revenue ($6.66B vs $181.80M). NP leads profitability with a 21.4% profit margin vs 18.1%. BRO trades at a lower P/E of 21.8x. BRO earns a higher WallStSmart Score of 75/100 (B).
BRO
Strong Buy75
out of 100
Grade: B
NP
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 41.8%
Revenue surging 32.4% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 47.5%
Revenue surging 32.8% year-over-year
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
3.1% earnings growth
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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 : NP
The strongest argument for NP centers on Operating Margin, Revenue Growth, Debt/Equity. Profitability is solid with margins at 21.4% and operating margin at 47.5%. Revenue growth of 32.8% demonstrates continued momentum.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : NP
The primary concerns for NP are EPS Growth, Return on Equity, Piotroski F-Score. A P/E of 158.2x leaves little room for execution misses.
Key Dynamics to Monitor
NP is growing revenue faster at 32.8% — sustainability is the question.
BRO generates stronger free cash flow (329M), providing more financial flexibility.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BRO scores higher overall (75/100 vs 51/100), 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.
Neptune Insurance Holdings Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Neenah, Inc., a specialty materials company, produces and sells performance-based technical products and fine paper and packaging products worldwide. The company is headquartered in Alpharetta, Georgia.
Compare with Other INSURANCE BROKERS Stocks
Want to dig deeper into these stocks?