American Coastal Insurance Corp (ACIC)vsW. R. Berkley Corp (WRB)
ACIC
American Coastal Insurance Corp
$11.41
+0.97%
FINANCIAL SERVICES · Cap: $539.34M
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 4285% more annual revenue ($14.71B vs $335.44M). ACIC leads profitability with a 31.9% profit margin vs 12.1%. ACIC appears more attractively valued with a PEG of 2.37. WRB earns a higher WallStSmart Score of 55/100 (C-).
ACIC
Buy54
out of 100
Grade: C-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.4%
Fair Value
$14.62
Current Price
$11.41
$3.21 discount
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 32 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
Revenue declined 23.5%
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACIC
The strongest argument for ACIC centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at -10.0%.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : ACIC
The primary concerns for ACIC are PEG Ratio, EPS Growth, Market Cap.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
ACIC profiles as a declining stock while WRB is a value play — different risk/reward profiles.
WRB carries more volatility with a beta of 0.34 — expect wider price swings.
WRB is growing revenue faster at 1.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 vs 54/100). ACIC offers better value entry with a 24.4% margin of safety. Both earn "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.
American Coastal Insurance Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Atlas Crest Investment Corp. The company is headquartered in New York, New York.
Visit Website →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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