Advertisement
BRO vs ERIE
Which Stock Would AI Choose? Brown & Brown (BRO) vs. Erie Indemnity (ERIE) Stock Comparison
Key Takeaways
- BRO and ERIE both operate in the insurance sector but run fundamentally different models: BRO is a diversified insurance brokerage, while ERIE is a fee-based managing attorney-in-fact for the Erie Insurance Exchange.
- Both stocks have declined over the past year, but recent momentum has diverged, with ERIE rebounding after a strong earnings beat while BRO continues to wrestle with property-rate pressure and flat organic growth.
- BRO has drawn fresh analyst attention, including recent Buy and Outperform ratings tied to its Accession acquisition synergies and an expanded buyback program.
- ERIE offers a steadier, cash-generative profile with recurring dividends, though slower premium growth and upcoming CEO and CFO transitions add uncertainty.
- Valuation trade-offs are meaningful: ERIE trades at a premium price-to-earnings (P/E) multiple versus insurance peers, while BRO screens cheaper after its valuation reset.
- For more detail on these tickers, explore BRO Major News and BRO Today's Price Move, as well as ERIE Major News and ERIE Today's Price Move.
- To see how automated systems are currently positioned across the market, explore Trending AI Robots.
Introduction
This stock comparison examines two insurance-related names with contrasting business models and recent market behavior. BRO, Brown & Brown, Inc., is a global insurance brokerage that earns commissions and fees by placing coverage, while ERIE, Erie Indemnity Company, generates a management fee by serving as attorney-in-fact for a reciprocal insurer. Investors weighing growth-oriented brokerage franchises against steadier, fee-based insurers may find this relative performance analysis useful. Both names have experienced notable drawdowns and shifting sentiment over the past year, making their current market positioning a relevant case study for traders and long-term investors alike.
BRO Overview and Recent Performance
BRO is one of the largest independent insurance brokerages in the United States, with operations spanning retail, programs, and wholesale brokerage. In recent weeks, the stock has faced persistent pressure tied to declining catastrophe-property (CAT) rates and repeated organic-growth shortfalls, which have weighed on investor confidence. First-quarter 2026 results showed total revenue up sharply year over year, largely reflecting the company's Accession acquisition, but organic revenue growth remained essentially flat. Adjusted margins expanded modestly, and management continues to highlight efficiency gains and an early push into artificial intelligence across its retail platforms. Against this backdrop, several analysts have turned more constructive in recent weeks, issuing Buy and Outperform ratings that point to synergy delivery, easing comparisons, and a meaningful buyback program as potential re-rating catalysts.
ERIE Overview and Recent Performance
ERIE operates as the managing attorney-in-fact for the Erie Insurance Exchange, a reciprocal property and casualty insurer, earning management fees rather than underwriting profits directly. Recent market activity has been more favorable for the stock, which rose on a second-quarter 2026 earnings beat supported by higher management-fee revenue and a firmer combined ratio, a key insurance profitability metric. The board also approved a steady quarterly dividend, reinforcing the company's reputation as a reliable payer. Still, underlying growth has slowed: direct written premium gains have moderated, policies in force have declined slightly, and customer retention has eased. The planned retirement of the chief executive and an accompanying chief financial officer transition in 2026 introduce leadership continuity risk that investors are now weighing against the company's historically strong return on equity.
Trending AI Robots
Tickeron's Trending AI Robots page showcases a curated selection of the platform's AI-powered trading bots. While Tickeron offers hundreds of automated trading bots that collectively monitor thousands of different tickers, only those best suited to current market conditions earn a place in this featured section. Each bot operates with its own trading style, strategy, timeframe, performance record, and universe of tickers, allowing traders to evaluate options ranging from short-term swing strategies to longer-horizon approaches. By highlighting the bots currently demonstrating the strongest alignment with prevailing trends, the page helps investors quickly identify automated strategies worth closer review. Explore Trending AI Robots to see which strategies are positioned for today's market.
Head-to-Head Comparison
The clearest contrast between these two names is their business model. BRO is an acquisition-driven brokerage whose growth depends on organic premium trends, cross-selling, and deal integration, making it more sensitive to the property-rate cycle. ERIE, by contrast, is structurally tied to a management fee, producing steadier but slower-growing earnings with less exposure to underwriting volatility. On momentum, ERIE has shown recent relative strength following its earnings beat, while BRO remains in a recovery phase amid analyst upgrades. Risk profiles differ as well: BRO faces integration and rate-cycle risk, whereas ERIE faces slowing premium growth, margin pressure from rising agent incentives, and leadership transitions. On valuation, ERIE carries a premium multiple relative to insurance peers, while BRO appears comparatively cheaper after its reset, reflecting divergent market sentiment around each franchise.
Tickeron AI Verdict
Based on observable trend consistency, stability, and relative positioning, Tickeron's AI would likely tilt toward ERIE in the current environment. The stock's recent earnings-driven rebound, recurring dividend support, and steadier fee-based cash generation provide a more consistent technical and fundamental profile than BRO, whose recovery still depends on sustained organic-growth improvement and synergy execution. That said, the verdict is probabilistic rather than definitive: BRO's improving analyst sentiment and buyback support could close the gap if property-rate headwinds ease. As always, relative performance may shift as new earnings and market data arrive.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BRO is a Buy and ERIE is a Buy.
BRO in upward trend: 10-day moving average moved above 50-day moving average on October 22, 2026
The 10-day moving average for BRO crossed bullishly above the 50-day moving average on October 22, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 9 of 14 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 64%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on BRO as a result. In 45 of 80 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 56%.
The Moving Average Convergence Divergence (MACD) for BRO just turned positive on October 07, 2026. Looking at past instances where BRO's MACD turned positive, the stock continued to rise in 26 of 42 cases over the following month. The odds of a continued upward trend are 62%.
BRO moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +5.15% 3-day Advance, the price is estimated to grow further. Considering data from situations where BRO advanced for three days, in 174 of 325 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
The Aroon Indicator entered an Uptrend today. In 173 of 303 cases where BRO Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 57%.
Bearish Trend Analysis
The 10-day RSI Indicator for BRO moved out of overbought territory on October 26, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 46 similar instances where the indicator moved out of overbought territory. In 23 of the 46 cases, the stock moved lower in the following days. This puts the odds of a move lower at 50%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 36 of 60 cases where BRO's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BRO declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 57%.
BRO broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. BRO’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 64 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 71 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 83 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.918) is normal, around the industry mean (2.681). P/E Ratio (20.202) is within average values for comparable stocks, (19.012). Projected Growth (PEG Ratio) (0.910) is also within normal values, averaging (8.322). Dividend Yield (0.010) settles around the average of (0.039) among similar stocks. P/S Ratio (3.322) is also within normal values, averaging (2.968).
The Tickeron Profit vs. Risk Rating rating for this company is 86 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. BRO’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 85, placing this stock worse than average.
ERIE sees its 50-day moving average cross bullishly above its 200-day moving average
The 50-day moving average for ERIE moved above the 200-day moving average on November 05, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 08, 2026. You may want to consider a long position or call options on ERIE as a result. In 53 of 91 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 58%.
The Moving Average Convergence Divergence (MACD) for ERIE just turned positive on October 08, 2026. Looking at past instances where ERIE's MACD turned positive, the stock continued to rise in 24 of 50 cases over the following month. The odds of a continued upward trend are 48%.
ERIE moved above its 50-day moving average on October 16, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for ERIE crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 54%.
Following a +5.92% 3-day Advance, the price is estimated to grow further. Considering data from situations where ERIE advanced for three days, in 191 of 316 cases, the price rose further within the following month. The odds of a continued upward trend are 60%.
The Aroon Indicator entered an Uptrend today. In 168 of 261 cases where ERIE Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 64%.
Bearish Trend Analysis
The 10-day RSI Indicator for ERIE moved out of overbought territory on November 06, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 28 similar instances where the indicator moved out of overbought territory. In 10 of the 28 cases, the stock moved lower in the following days. This puts the odds of a move lower at 36%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 36 of 57 cases where ERIE's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 63%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ERIE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 58%.
ERIE broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 39 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 40 (best 1 - 100 worst), indicating steady price growth. ERIE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 47 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 79 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. ERIE’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 85, placing this stock better than average.
The Tickeron Valuation Rating of 99 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (5.788) is normal, around the industry mean (2.681). P/E Ratio (22.040) is within average values for comparable stocks, (19.012). Projected Growth (PEG Ratio) (17.200) is also within normal values, averaging (8.322). Dividend Yield (0.021) settles around the average of (0.039) among similar stocks. P/S Ratio (3.070) is also within normal values, averaging (2.968).
BRO | ERIE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 19 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 83 Overvalued | 99 Overvalued | |
PROFIT vs RISK RATING 1..100 | 86 | 79 | |
SMR RATING 1..100 | 71 | 39 | |
PRICE GROWTH RATING 1..100 | 43 | 40 | |
P/E GROWTH RATING 1..100 | 64 | 47 | |
SEASONALITY SCORE 1..100 | 47 | n/a |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BRO's Valuation (83) in the Insurance Brokers Or Services industry is in the same range as ERIE (99) in the Property Or Casualty Insurance industry. This means that BRO’s stock grew similarly to ERIE’s over the last 12 months.
ERIE's Profit vs Risk Rating (79) in the Property Or Casualty Insurance industry is in the same range as BRO (86) in the Insurance Brokers Or Services industry. This means that ERIE’s stock grew similarly to BRO’s over the last 12 months.
ERIE's SMR Rating (39) in the Property Or Casualty Insurance industry is in the same range as BRO (71) in the Insurance Brokers Or Services industry. This means that ERIE’s stock grew similarly to BRO’s over the last 12 months.
ERIE's Price Growth Rating (40) in the Property Or Casualty Insurance industry is in the same range as BRO (43) in the Insurance Brokers Or Services industry. This means that ERIE’s stock grew similarly to BRO’s over the last 12 months.
ERIE's P/E Growth Rating (47) in the Property Or Casualty Insurance industry is in the same range as BRO (64) in the Insurance Brokers Or Services industry. This means that ERIE’s stock grew similarly to BRO’s over the last 12 months.
| BRO | ERIE | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 50% | 2 days ago 36% |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 56% | 3 days ago 58% |
| MACD ODDS (%) | 6 days ago 62% | 3 days ago 48% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 61% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 62% |
| Advances ODDS (%) | 7 days ago 54% | 7 days ago 60% |
| Declines ODDS (%) | 3 days ago 57% | 3 days ago 58% |
| BollingerBands ODDS (%) | 2 days ago 51% | 2 days ago 51% |
| Aroon ODDS (%) | 2 days ago 57% | 2 days ago 64% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BRO’s FA Score shows that 0 FA rating(s) are green while ERIE’s FA Score has 0 green FA rating(s).
- BRO’s FA Score: 0 green, 5 red.
- ERIE’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BRO’s TA Score shows that 6 TA indicator(s) are bullish while ERIE’s TA Score has 7 bullish TA indicator(s).
- BRO’s TA Score: 6 bullish, 4 bearish.
- ERIE’s TA Score: 7 bullish, 4 bearish.
Price Growth
BRO (@Insurance Brokers/Services) experienced а +1.63% price change this week, while ERIE (@Insurance Brokers/Services) price change was +0.90% for the same time period.
The average weekly price growth across all stocks in the @Insurance Brokers/Services industry was -3.89%. For the same industry, the average monthly price growth was +11.76%, and the average quarterly price growth was +18.37%.
Reported Earning Dates
BRO is expected to report earnings on Jan 25, 2027.
ERIE is expected to report earnings on Mar 01, 2027.
Industries' Descriptions
@Insurance Brokers/Services (-3.89% weekly)Insurance brokers sell, solicit, or negotiate insurance for compensation. General insurance brokers mostly cater to insurances on car, house etc. (versus life). Brokers are also often instrumental in helping small employers find health insurance, particularly in more competitive markets. Additionally, brokers may also provide risk assessments, insurance consulting services, insurance-related regulatory and legislative update services. Some of the major names in this industry include Marsh & McLennan Companies, Inc., Aon plc and Verisk Analytics Inc.
Advertisement
BRO and
Correlation & Price change
A.I.dvisor indicates that over the last year, BRO has been closely correlated with AJG. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if BRO jumps, then AJG could also see price increases.
| Ticker / NAME | Correlation To BRO | 1D Price Change % | ||
|---|---|---|---|---|
| BRO | 100% | +1.25% | ||
| AJG - BRO | 83% Closely correlated | +0.73% | ||
| MRSH - BRO | 81% Closely correlated | +1.26% | ||
| RYAN - BRO | 70% Closely correlated | +0.47% | ||
| GSHD - BRO | 67% Closely correlated | -15.64% | ||
| WTW - BRO | 66% Loosely correlated | +1.79% | ||
More | ||||
ERIE and
Correlation & Price change
A.I.dvisor indicates that over the last year, ERIE has been loosely correlated with BRO. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if ERIE jumps, then BRO could also see price increases.
| Ticker / NAME | Correlation To ERIE | 1D Price Change % | ||
|---|---|---|---|---|
| ERIE | 100% | +0.58% | ||
| BRO - ERIE | 65% Loosely correlated | +1.25% | ||
| AJG - ERIE | 61% Loosely correlated | +0.73% | ||
| MRSH - ERIE | 58% Loosely correlated | +1.26% | ||
| AON - ERIE | 57% Loosely correlated | +0.17% | ||
| RYAN - ERIE | 56% Loosely correlated | +0.47% | ||
More | ||||