WallStSmart

Canadian National Railway Company (CNI)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Canadian National Railway Company generates 16% more annual revenue ($17.28B vs $14.85B). CNI leads profitability with a 27.2% profit margin vs 12.6%. CNI appears more attractively valued with a PEG of 2.52. WRB earns a higher WallStSmart Score of 65/100 (C+).

CNI

Buy

62

out of 100

Grade: C+

Growth: 3.3Profit: 8.5Value: 4.7Quality: 4.0
Piotroski: 5/9Altman Z: 1.48

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNIUndervalued (+8.7%)

Margin of Safety

+8.7%

Fair Value

$116.41

Current Price

$111.64

$4.77 discount

UndervaluedFair: $116.41Overvalued

Intrinsic value data unavailable for WRB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNI4 strengths · Avg: 9.3/10
Operating MarginProfitability
38.4%10/10

Strong operational efficiency at 38.4%

Market CapQuality
$67.24B9/10

Large-cap with strong market position

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

WRB4 strengths · Avg: 8.3/10
Return on EquityProfitability
20.2%9/10

Every $100 of equity generates 20 in profit

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

Areas to Watch

CNI4 concerns · Avg: 2.8/10
EPS GrowthGrowth
1.1%4/10

1.1% earnings growth

Debt/EquityHealth
1.013/10

Elevated debt levels

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.5%2/10

Revenue declined 0.5%

WRB3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.872/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CNI

The strongest argument for CNI centers on Operating Margin, Market Cap, Return on Equity. Profitability is solid with margins at 27.2% and operating margin at 38.4%.

Bull Case : WRB

The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.

Bear Case : CNI

The primary concerns for CNI are EPS Growth, Debt/Equity, PEG Ratio.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

CNI profiles as a declining stock while WRB is a value play — different risk/reward profiles.

CNI carries more volatility with a beta of 0.99 — expect wider price swings.

WRB is growing revenue faster at 4.0% — sustainability is the question.

CNI generates stronger free cash flow (828M), providing more financial flexibility.

Bottom Line

WRB scores higher overall (65/100 vs 62/100). 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.

Canadian National Railway Company

INDUSTRIALS · RAILROADS · USA

Canadian National Railway Company, is engaged in the rail and related transportation business. The company is headquartered in Montreal, Canada.

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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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