Donegal Group B Inc (DGICB)vsW. R. Berkley Corp (WRB)
DGICB
Donegal Group B Inc
$16.95
-6.77%
FINANCIAL SERVICES · Cap: $694.46M
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 1404% more annual revenue ($14.71B vs $978.01M). WRB leads profitability with a 12.1% profit margin vs 8.1%. DGICB appears more attractively valued with a PEG of 1.90. WRB earns a higher WallStSmart Score of 55/100 (C-).
DGICB
Buy51
out of 100
Grade: C-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-8.6%
Fair Value
$14.82
Current Price
$16.95
$2.13 premium
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
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
Smaller company, higher risk/reward
Revenue declined 3.9%
Earnings declined 33.3%
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : DGICB
The strongest argument for DGICB centers on P/E Ratio, Price/Book.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : DGICB
The primary concerns for DGICB are PEG Ratio, Market Cap, Revenue Growth.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (55/100 vs 51/100). 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.
Donegal Group B Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.
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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