WallStSmart

Brown & Brown Inc (BRO)vsSelectquote Inc (SLQT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Brown & Brown Inc generates 256% more annual revenue ($5.76B vs $1.62B). BRO leads profitability with a 18.3% profit margin vs 4.8%. BRO earns a higher WallStSmart Score of 69/100 (B-).

BRO

Strong Buy

69

out of 100

Grade: B-

Growth: 6.7Profit: 7.0Value: 7.3Quality: 4.5
Piotroski: 2/9

SLQT

Buy

52

out of 100

Grade: C-

Growth: 6.0Profit: 5.5Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BROSignificantly Overvalued (-211.9%)

Margin of Safety

-211.9%

Fair Value

$21.49

Current Price

$64.29

$42.80 premium

UndervaluedFair: $21.49Overvalued

Intrinsic value data unavailable for SLQT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRO3 strengths · Avg: 8.7/10
Revenue GrowthGrowth
36.2%10/10

Revenue surging 36.2% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.2%8/10

Strong operational efficiency at 23.2%

SLQT1 strengths · Avg: 10.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

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

EPS GrowthGrowth
-16.2%2/10

Earnings declined 16.2%

SLQT4 concerns · Avg: 2.5/10
Market CapQuality
$117.55M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.8%3/10

4.8% margin — thin

EPS GrowthGrowth
-12.6%2/10

Earnings declined 12.6%

Free Cash FlowQuality
$-1.79M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : SLQT

The strongest argument for SLQT centers on Price/Book. Revenue growth of 11.6% demonstrates continued momentum.

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, EPS Growth.

Bear Case : SLQT

The primary concerns for SLQT are Market Cap, Profit Margin, EPS Growth. Thin 4.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

SLQT carries more volatility with a beta of 1.25 — 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 52/100), backed by strong 18.3% margins and 36.2% 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.

Selectquote Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Founded in 1985, SelectQuote (NYSE: SLQT) offers solutions that help consumers protect their most valuable assets - their families, health, and property.

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