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BRO vs RYAN
Which Stock Would AI Choose? Brown & Brown (BRO) vs. Ryan Specialty Holdings (RYAN) Stock Comparison
Key Takeaways
- Both companies operate in insurance distribution, but BRO is a diversified retail and wholesale brokerage, while RYAN concentrates on specialty wholesale brokerage and underwriting management.
- BRO delivered flat organic revenue in its most recent quarter, reflecting softer catastrophe (CAT) property pricing, while RYAN posted stronger organic growth but carries greater exposure to steep specialty property-rate declines.
- BRO leans on scale, acquisitions, and share buybacks; RYAN leans on faster organic growth, higher earnings momentum, and niche underwriting expansion.
- Both face the same core risk: a softening property and casualty (P&C) pricing cycle that pressures commissions and fees.
- Recent analyst activity has been constructive on both, with fresh Buy and Outperform ratings appearing for BRO and Buy ratings maintained on RYAN.
- For additional context, visit BRO Major News and BRO Today's Price Move, as well as RYAN Major News and RYAN Today's Price Move.
- Explore Trending AI Robots to see which automated strategies are currently aligned with these and other tickers.
Introduction
Brown & Brown, Inc. (BRO) and Ryan Specialty Holdings, Inc. (RYAN) are two well-known names in U.S. insurance distribution, but they occupy different niches and carry distinct risk profiles. This stock comparison is relevant for investors weighing a diversified, acquisition-driven brokerage against a faster-growing specialty platform navigating a softening property and casualty pricing environment. By examining relative performance, growth drivers, and market positioning, traders and longer-term investors can better assess how each name behaves across the insurance cycle and where their capital may be most efficiently deployed in the current market.
BRO Overview and Recent Performance
Brown & Brown is one of the largest independent insurance brokerages in the United States, with a global footprint spanning more than 700 locations and roughly 23,000 employees. Its model combines retail and wholesale brokerage, employee benefits, and specialized programs, giving it broad diversification across lines of business. In its most recent quarterly results, total revenues rose 35.4% year over year to $1.9 billion, driven by acquisitions, while organic revenue was flat and organic revenue including contingents rose just 2.2%—reflecting prior-year flood claims revenue and continued pressure on catastrophe property rates. Adjusted earnings per share (EPS) grew 7.8%, and the board maintained a regular quarterly dividend of $0.165 per share.
Recent market activity has shown a mixed picture for BRO. The stock has been under pressure over the past year as repeated organic-growth misses and property-rate weakness eroded its former valuation premium. In response, analysts have turned more constructive, with new Buy and Outperform ratings citing improving organic growth, synergies from the Accession acquisition, and meaningful share repurchases as catalysts that could narrow the valuation gap.
RYAN Overview and Recent Performance
Ryan Specialty Holdings is a specialty insurance firm operating at the top of both distribution and underwriting, spanning wholesale brokerage, delegated authority, reinsurance, benefits, and alternative capital solutions. It functions as a wholesale broker and managing general underwriter (MGU—a firm authorized by insurers to underwrite and bind risks on their behalf), serving brokers, agents, and carriers with specialized risk solutions. In its most recent quarter, total revenue grew 7.2% to about $917 million, with organic growth of 6.7% and adjusted EPS up 12.1% year over year. The company also repurchased $260 million of shares and expanded its buyback authorization by $300 million.
RYAN has delivered resilient earnings even as the property and casualty cycle softens, aided by new business wins, strong retention, and the movement of risk into specialty and excess-and-surplus (E&S) markets. The stock received a boost from its addition to Russell value benchmarks, and it has expanded into adjacent areas such as renewable energy and insurance capacity for AI and high-performance computing data centers. However, management has tempered full-year expectations, guiding to mid-single-digit organic growth and margin compression as large property rate declines of roughly 25% to 35% weigh on its catastrophe-exposed lines.
Trending AI Robots
Tickeron's Trending AI Robots page showcases a curated selection of automated trading strategies chosen for their fit with current market conditions. Tickeron maintains hundreds of AI trading bots that trade thousands of different tickers, yet only the best-performing and most suitable systems earn a place in this featured section. Each bot operates with its own trading style, strategy, timeframe, performance history, and set of tickers, giving users a broad menu of statistically driven approaches rather than a single one-size-fits-all signal. Whether a trader favors short-term momentum or longer-horizon trend following, this page offers a practical starting point for exploring AI-assisted market analysis. To see which automated strategies are currently aligned with the stocks in this comparison, visit Trending AI Robots.
Head-to-Head Comparison
The clearest contrast between these two brokers is scope versus focus. BRO operates a diversified, scaled platform whose growth has recently leaned on mergers and acquisitions (M&A), while organic expansion has been muted by property-rate pressure. RYAN is a more concentrated specialty franchise that has sustained faster organic growth and stronger EPS momentum but is more directly exposed to the sharpest declines in catastrophe property pricing.
On capital allocation, both firms are active, but in different ways. BRO emphasizes a consistent, growing dividend alongside buybacks and acquisition activity, whereas RYAN pairs a smaller dividend with larger-scale repurchases and targeted underwriting investments. In terms of risk factors, BRO's broader diversification may blunt cyclical swings, while RYAN's specialty concentration offers higher growth potential during hard markets but greater sensitivity when rates soften. Sentiment has improved on both names, with analysts pointing to valuation resets and growth catalysts, though each stock has experienced notable drawdowns over the past year.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings momentum, and relative positioning, Tickeron's AI would likely express a slight preference for RYAN on the basis of stronger organic growth and higher EPS momentum, which tend to support more durable relative strength. That said, BRO may present a more stable, diversified profile with improving analyst sentiment and meaningful buyback support. The AI's stance is probabilistic rather than definitive: RYAN's edge depends on its ability to sustain growth through a softening pricing cycle, while BRO's case rests on reaccelerating organic growth and delivering on acquisition synergies. Neither conclusion should be interpreted as personal investment advice.
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 RYAN is a Buy.
BRO's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for BRO turned positive on October 07, 2026. Looking at past instances where BRO's MACD turned positive, the stock continued to rise in 30 of 43 cases over the following month. The odds of a continued upward trend are 70%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 31 of 46 cases where BRO's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Momentum Indicator moved above the 0 level on October 30, 2026. You may want to consider a long position or call options on BRO as a result. In 42 of 79 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 53%.
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.
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 8 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 57%.
Following a +5.96% 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 177 of 308 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 25 of the 46 cases, the stock moved lower in the following days. This puts the odds of a move lower at 54%.
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 41 (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 66 (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 82 (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 (1.886) is normal, around the industry mean (2.673). P/E Ratio (19.866) is within average values for comparable stocks, (18.899). Projected Growth (PEG Ratio) (0.910) is also within normal values, averaging (8.322). Dividend Yield (0.009) settles around the average of (0.042) 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 85 (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.
RYAN in upward trend: 10-day moving average broke above 50-day moving average on October 23, 2026
The 10-day moving average for RYAN crossed bullishly above the 50-day moving average on October 23, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 15 of 16 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 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 13, 2026. You may want to consider a long position or call options on RYAN as a result. In 55 of 84 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 65%.
The Moving Average Convergence Divergence (MACD) for RYAN just turned positive on October 05, 2026. Looking at past instances where RYAN's MACD turned positive, the stock continued to rise in 23 of 43 cases over the following month. The odds of a continued upward trend are 53%.
RYAN 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.
Following a +4.31% 3-day Advance, the price is estimated to grow further. Considering data from situations where RYAN advanced for three days, in 198 of 316 cases, the price rose further within the following month. The odds of a continued upward trend are 63%.
The Aroon Indicator entered an Uptrend today. In 143 of 249 cases where RYAN 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 RSI Indicator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
RYAN 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 39 (best 1 - 100 worst), indicating steady price growth. RYAN’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 80 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. RYAN’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 PE Growth Rating for this company is 86 (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 93 (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: RYAN's P/B Ratio (10.959) is slightly higher than the industry average of (2.673). RYAN has a moderately high P/E Ratio (58.628) as compared to the industry average of (18.899). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (8.322). Dividend Yield (0.011) settles around the average of (0.042) among similar stocks. P/S Ratio (1.707) is also within normal values, averaging (2.968).
The Tickeron SMR rating for this company is 93 (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.
BRO | ||
|---|---|---|
OUTLOOK RATING 1..100 | 25 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 82 Overvalued | |
PROFIT vs RISK RATING 1..100 | 85 | |
SMR RATING 1..100 | 71 | |
PRICE GROWTH RATING 1..100 | 41 | |
P/E GROWTH RATING 1..100 | 66 | |
SEASONALITY SCORE 1..100 | 47 |
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 | RYAN | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 54% | 2 days ago 71% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 71% |
| Momentum ODDS (%) | 2 days ago 53% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 70% | 2 days ago 53% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 61% |
| Advances ODDS (%) | 3 days ago 54% | 2 days ago 63% |
| Declines ODDS (%) | 8 days ago 57% | N/A |
| BollingerBands ODDS (%) | 2 days ago 55% | 2 days ago 64% |
| Aroon ODDS (%) | 2 days ago 57% | 2 days ago 57% |
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 RYAN’s FA Score has 0 green FA rating(s).
- BRO’s FA Score: 0 green, 5 red.
- RYAN’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 7 TA indicator(s) are bullish while RYAN’s TA Score has 6 bullish TA indicator(s).
- BRO’s TA Score: 7 bullish, 3 bearish.
- RYAN’s TA Score: 6 bullish, 3 bearish.
Price Growth
BRO (@Insurance Brokers/Services) experienced а +4.99% price change this week, while RYAN (@Insurance Brokers/Services) price change was +7.90% for the same time period.
The average weekly price growth across all stocks in the @Insurance Brokers/Services industry was +6.96%. For the same industry, the average monthly price growth was +16.09%, and the average quarterly price growth was +18.93%.
Reported Earning Dates
BRO is expected to report earnings on Jan 25, 2027.
RYAN is expected to report earnings on Mar 02, 2027.
Industries' Descriptions
@Insurance Brokers/Services (+6.96% 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% | -1.34% | ||
| AJG - BRO | 83% Closely correlated | -1.95% | ||
| MRSH - BRO | 81% Closely correlated | -0.85% | ||
| RYAN - BRO | 69% Closely correlated | +0.55% | ||
| GSHD - BRO | 67% Closely correlated | +1.71% | ||
| WTW - BRO | 66% Loosely correlated | +0.66% | ||
More | ||||
RYAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, RYAN has been closely correlated with BRO. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if RYAN jumps, then BRO could also see price increases.
| Ticker / NAME | Correlation To RYAN | 1D Price Change % | ||
|---|---|---|---|---|
| RYAN | 100% | +0.55% | ||
| BRO - RYAN | 69% Closely correlated | -1.34% | ||
| MRSH - RYAN | 61% Loosely correlated | -0.85% | ||
| AJG - RYAN | 59% Loosely correlated | -1.95% | ||
| AON - RYAN | 59% Loosely correlated | -0.97% | ||
| ERIE - RYAN | 51% Loosely correlated | -1.56% | ||
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