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BRO vs GSHD
Which Stock Would AI Choose? Brown & Brown (BRO) vs. Goosehead Insurance (GSHD) Stock Comparison
Key Takeaways
- Brown & Brown (BRO) is a large, diversified insurance brokerage with roughly $21 billion in market capitalization, while Goosehead Insurance (GSHD) is a much smaller, faster-growing personal lines distributor valued near $1.7 billion.
- GSHD has demonstrated stronger recent organic revenue growth and expanding adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) margins, while BRO has leaned on acquisitions to offset softer organic growth.
- Both stocks have experienced notable price declines over the past year, but BRO has attracted a wave of fresh analyst upgrades in recent weeks, signaling a possible shift in sentiment.
- BRO pays a regular dividend and carries a lower forward price-to-earnings (P/E) multiple, whereas GSHD offers no dividend and trades at a premium valuation tied to its growth profile.
- The two companies serve different ends of the insurance distribution market, making their risk profiles and growth drivers meaningfully distinct.
- For more detail on each name, explore BRO Major News and BRO Today's Price Move, as well as GSHD Major News and GSHD Today's Price Move.
- To see how automated systems are positioning across the market, explore Trending AI Robots.
Introduction
Insurance distribution spans very different business models, and BRO and GSHD illustrate that contrast clearly. Brown & Brown is a scaled, acquisition-driven brokerage serving commercial and specialty clients, while Goosehead Insurance is a technology-forward personal lines agency that distributes through corporate and franchise locations. Both stocks have faced downward price pressure over the past year, yet their fundamentals and catalysts are moving in different directions. This stock comparison is relevant for investors weighing a mature, dividend-paying insurance platform against a higher-growth, higher-valuation distributor, and for traders monitoring relative performance and market positioning as sentiment shifts across the insurance sector.
BRO Overview and Recent Performance
Brown & Brown, Inc. is one of the largest independent insurance intermediaries in the United States, operating through Retail and Specialty Distribution segments and serving clients domestically, in the United Kingdom, and internationally. Its growth strategy has long combined acquisitions with organic expansion, and the company has completed hundreds of brokerage acquisitions over the decades, including the sizable Accession deal.
Recent market activity has been challenging for BRO. The stock has declined meaningfully over the trailing 12 months, pressured by softer organic revenue growth, property insurance pricing headwinds, and margin compression. However, sentiment has shown signs of improving in recent weeks, as multiple analysts initiated or upgraded coverage with constructive ratings, citing expectations of improving organic growth, integration synergies, expanding margins, and meaningful share buybacks. The company continues to generate strong cash flow, maintains a consistent dividend, and is investing in artificial intelligence to automate underwriting and back-office processes.
GSHD Overview and Recent Performance
Goosehead Insurance, Inc. is an independent personal lines insurance agency that distributes homeowners, auto, and other policies through a network of corporate and franchise locations across the United States, representing more than 200 insurance carriers. Its model emphasizes consumer choice, service quality, and a technology-driven digital platform.
GSHD has posted strong operating results in recent quarters, including double-digit total revenue growth, double-digit growth in total written premiums, and rising policies in force. Adjusted EBITDA has climbed sharply, and adjusted EBITDA margin has expanded as the company scales. Management has also guided for continued organic revenue and written premium growth in the double digits for 2026, while investing in AI and digital tools such as its Digital Agent platform. Despite this momentum, the stock has traded well below its 52-week high, and several analysts have trimmed price targets in recent weeks, reflecting a more cautious near-term outlook on valuation and balance-sheet considerations.
Trending AI Robots
For traders who prefer a data-driven, systematic approach, Tickeron's Trending AI Robots page offers a curated view of automated trading strategies. Tickeron hosts hundreds of AI trading bots that collectively trade thousands of different tickers, but only a select group earns a place in the Trending section based on their suitability for current market conditions. These bots vary widely in trading style, strategy, timeframe, performance history, and the set of tickers they follow, allowing users to match a bot's approach to their own objectives. If you want to see which strategies are currently resonating with market conditions, visit Trending AI Robots.
Head-to-Head Comparison
The clearest contrast between these two companies is scale and maturity. BRO is a diversified, multi-billion-dollar intermediary with a long acquisition track record, a steady dividend, and a lower forward P/E multiple. Its risks center on organic growth that has lagged, integration execution, and sensitivity to property insurance pricing cycles. Its catalyst set includes acquisition synergies, buybacks, and AI-driven efficiency gains.
GSHD, by comparison, is a growth-oriented distributor with faster top-line expansion, rising margins, and a franchise-plus-corporate model still scaling nationwide. It pays no dividend and trades at a premium valuation, while carrying notable leverage. Its risks include concentrated exposure to personal lines pricing, execution on its digital strategy, and a higher beta, meaning its share price tends to be more volatile relative to the broader market.
In terms of market sentiment, BRO has recently seen a cluster of upgrades suggesting a potential inflection, whereas GSHD has seen mixed analyst actions with several target reductions even as consensus retains a generally constructive rating. The two names offer a trade-off between stability and income on one side and growth and valuation risk on the other.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward BRO in the current environment. The stock's improving analyst sentiment, lower valuation multiple, steady cash generation, and dividend support suggest greater trend consistency and relative stability than GSHD, whose stronger growth is partially offset by a premium valuation, higher volatility, and balance-sheet leverage. GSHD's superior revenue momentum remains a genuine advantage, but its recent target reductions and choppier technical positioning introduce more uncertainty. Accordingly, a systematic framework weighting trend reliability, catalyst clarity, and risk-adjusted positioning would tend to favor BRO, though this is a probabilistic assessment rather than a definitive prediction.
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 GSHD is a Hold.
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 10 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 71%.
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 43 of 80 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 54%.
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 172 of 302 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 45 similar instances where the indicator moved out of overbought territory. In 23 of the 45 cases, the stock moved lower in the following days. This puts the odds of a move lower at 51%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 35 of 59 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 59%.
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 42 (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 88 (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.
GSHD in upward trend: 10-day moving average broke above 50-day moving average on November 09, 2026
The 10-day moving average for GSHD crossed bullishly above the 50-day moving average on November 09, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 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 85%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for GSHD just turned positive on October 08, 2026. Looking at past instances where GSHD's MACD turned positive, the stock continued to rise in 36 of 44 cases over the following month. The odds of a continued upward trend are 82%.
Following a +8.90% 3-day Advance, the price is estimated to grow further. Considering data from situations where GSHD advanced for three days, in 228 of 302 cases, the price rose further within the following month. The odds of a continued upward trend are 75%.
The Aroon Indicator entered an Uptrend today. In 138 of 201 cases where GSHD Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 69%.
Bearish Trend Analysis
The 10-day RSI Indicator for GSHD 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 31 similar instances where the indicator moved out of overbought territory. In 26 of the 31 cases, the stock moved lower in the following days. This puts the odds of a move lower at 84%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 57 cases where GSHD's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 75%.
The Momentum Indicator moved below the 0 level on November 10, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on GSHD as a result. In 68 of 86 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 79%.
GSHD moved below its 50-day moving average on November 10, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where GSHD 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 76%.
GSHD broke above its upper Bollinger Band on November 02, 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 19 (best 1 - 100 worst), indicating very 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 59 (best 1 - 100 worst), indicating fairly steady price growth. GSHD’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 84 (best 1 - 100 worst), pointing to worse than average 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 Valuation Rating of 96 (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: GSHD's P/B Ratio (-11.764) is very low in comparison to the industry average of (2.681). P/E Ratio (38.846) is within average values for comparable stocks, (19.012). GSHD's Projected Growth (PEG Ratio) (76.820) is very high in comparison to the industry average of (8.322). GSHD's Dividend Yield (0.426) is considerably higher than the industry average of (0.039). P/S Ratio (5.184) is also within normal values, averaging (2.968).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. GSHD’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.
BRO | GSHD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 16 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 83 Overvalued | 96 Overvalued | |
PROFIT vs RISK RATING 1..100 | 88 | 100 | |
SMR RATING 1..100 | 71 | 19 | |
PRICE GROWTH RATING 1..100 | 42 | 59 | |
P/E GROWTH RATING 1..100 | 64 | 84 | |
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 GSHD (96). This means that BRO’s stock grew similarly to GSHD’s over the last 12 months.
BRO's Profit vs Risk Rating (88) in the Insurance Brokers Or Services industry is in the same range as GSHD (100). This means that BRO’s stock grew similarly to GSHD’s over the last 12 months.
GSHD's SMR Rating (19) in the Insurance Brokers Or Services industry is somewhat better than the same rating for BRO (71). This means that GSHD’s stock grew somewhat faster than BRO’s over the last 12 months.
BRO's Price Growth Rating (42) in the Insurance Brokers Or Services industry is in the same range as GSHD (59). This means that BRO’s stock grew similarly to GSHD’s over the last 12 months.
BRO's P/E Growth Rating (64) in the Insurance Brokers Or Services industry is in the same range as GSHD (84). This means that BRO’s stock grew similarly to GSHD’s over the last 12 months.
| BRO | GSHD | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 51% | 1 day ago 84% |
| Stochastic ODDS (%) | 1 day ago 59% | 1 day ago 75% |
| Momentum ODDS (%) | 1 day ago 54% | 1 day ago 79% |
| MACD ODDS (%) | 7 days ago 62% | 4 days ago 82% |
| TrendWeek ODDS (%) | 1 day ago 57% | 1 day ago 77% |
| TrendMonth ODDS (%) | 1 day ago 55% | 1 day ago 77% |
| Advances ODDS (%) | 8 days ago 54% | 8 days ago 75% |
| Declines ODDS (%) | 4 days ago 57% | 3 days ago 76% |
| BollingerBands ODDS (%) | 1 day ago 47% | 1 day ago 81% |
| Aroon ODDS (%) | 1 day ago 57% | 1 day ago 69% |
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 GSHD’s FA Score has 1 green FA rating(s).
- BRO’s FA Score: 0 green, 5 red.
- GSHD’s FA Score: 1 green, 4 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 GSHD’s TA Score has 4 bullish TA indicator(s).
- BRO’s TA Score: 6 bullish, 4 bearish.
- GSHD’s TA Score: 4 bullish, 6 bearish.
Price Growth
BRO (@Insurance Brokers/Services) experienced а -3.38% price change this week, while GSHD (@Insurance Brokers/Services) price change was -18.10% for the same time period.
The average weekly price growth across all stocks in the @Insurance Brokers/Services industry was -3.93%. For the same industry, the average monthly price growth was +11.69%, and the average quarterly price growth was +18.33%.
Reported Earning Dates
BRO is expected to report earnings on Jan 25, 2027.
GSHD is expected to report earnings on Feb 24, 2027.
Industries' Descriptions
@Insurance Brokers/Services (-3.93% 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.
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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% | -0.70% | ||
| AJG - BRO | 83% Closely correlated | -0.23% | ||
| MRSH - BRO | 81% Closely correlated | +0.28% | ||
| RYAN - BRO | 71% Closely correlated | -0.70% | ||
| WTW - BRO | 66% Loosely correlated | +0.39% | ||
| GSHD - BRO | 64% Loosely correlated | +0.04% | ||
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GSHD and
Correlation & Price change
A.I.dvisor indicates that over the last year, GSHD has been loosely correlated with BRO. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if GSHD jumps, then BRO could also see price increases.
| Ticker / NAME | Correlation To GSHD | 1D Price Change % | ||
|---|---|---|---|---|
| GSHD | 100% | +0.04% | ||
| BRO - GSHD | 64% Loosely correlated | -0.70% | ||
| TWFG - GSHD | 60% Loosely correlated | -0.26% | ||
| AJG - GSHD | 59% Loosely correlated | -0.23% | ||
| MRSH - GSHD | 56% Loosely correlated | +0.28% | ||
| AON - GSHD | 52% Loosely correlated | +0.06% | ||
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