COMP <GO>
BRO vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Brown & Brown Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: BRO 9
— BAC 4
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: BRO
LAST: $69.76 (+2.83%) • MKT CAP: $22.50B
balance-sheet
1.62
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
balance-sheet
0.45
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BRO VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BRO | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.70% | 2.50% | +2.20 | BRO | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.1x | 30.2x | -9.10 | BRO | /valuation <GO> |
| Free Cash Flow Yield | 6.14% | 2.10% | +4.04 | BRO | /fcf-yield <GO> |
| Operating Margin | 21.80% | 32.90% | -11.10 | BAC | /operating-margins <GO> |
| Net Profit Margin | 17.90% | 27.00% | -9.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 22.80% | 6.80% | +16.00 | BRO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.86% | 0.00% | +0.86 | BRO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.62 | 0.45 | +1.17 | BRO | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 7/9 | +2.00 | BRO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.0 | 27.7 | +28.36 | BRO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.90 | +0.01 | BRO | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.9x | 10.9x | +7.00 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.50B | $357.61B | -$335.11B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BRO REV | BAC REV | BRO GROSS % | BAC GROSS % | BRO FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.90B | $113.10B | 44.0% | 44.0% | $1.38B | $7.52B |
| FY 2024 | $4.80B | $105.86B | 44.0% | 44.0% | $1.09B | -$13.57B |
| FY 2023 | $4.26B | $102.77B | 44.0% | 44.0% | $818.4M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BRO // BETA 0.91
BAC // BETA 0.90