Aspen Insurance Holdings Limited (AHL)vsThe Travelers Companies Inc (TRV)
AHL
Aspen Insurance Holdings Limited
$37.50
0.00%
FINANCIAL SERVICES · Cap: $2.81B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 1428% more annual revenue ($48.83B vs $3.19B). TRV leads profitability with a 12.9% profit margin vs 12.9%. AHL trades at a lower P/E of 4.9x. TRV earns a higher WallStSmart Score of 71/100 (B).
AHL
Hold50
out of 100
Grade: D+
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.5%
Fair Value
$42.70
Current Price
$37.50
$5.20 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Distress zone — elevated risk
Earnings declined 79.7%
Negative free cash flow — burning cash
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AHL
The strongest argument for AHL centers on P/E Ratio, Price/Book, Debt/Equity.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : AHL
The primary concerns for AHL are Altman Z-Score, EPS Growth, Free Cash Flow.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
AHL is growing revenue faster at 5.0% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 50/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aspen Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Aspen Insurance Holdings Limited, participates in insurance and reinsurance businesses in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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