WallStSmart

EMCOR Group Inc (EME)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 176% more annual revenue ($48.94B vs $17.75B). TRV leads profitability with a 15.5% profit margin vs 7.5%. EME appears more attractively valued with a PEG of 0.44. TRV earns a higher WallStSmart Score of 72/100 (B).

EME

Strong Buy

66

out of 100

Grade: B-

Growth: 8.7Profit: 7.0Value: 7.0Quality: 7.5
Piotroski: 4/9Altman Z: 3.78

TRV

Strong Buy

72

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 4/9Altman Z: 0.89

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EME6 strengths · Avg: 9.2/10
PEG RatioValuation
0.4410/10

Growing faster than its price suggests

Return on EquityProfitability
34.5%10/10

Every $100 of equity generates 35 in profit

Altman Z-ScoreHealth
3.7810/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
19.7%8/10

19.7% revenue growth

EPS GrowthGrowth
30.0%8/10

Earnings expanding 30.0% YoY

TRV6 strengths · Avg: 9.2/10
P/E RatioValuation
9.2x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
357.6%10/10

Earnings expanding 357.6% YoY

Market CapQuality
$65.17B9/10

Large-cap with strong market position

Return on EquityProfitability
23.8%9/10

Every $100 of equity generates 24 in profit

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

EME4 concerns · Avg: 3.3/10
P/E RatioValuation
27.6x4/10

Moderate valuation

Price/BookValuation
9.4x4/10

Trading at 9.4x book value

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

Free Cash FlowQuality
$-28.15M2/10

Negative free cash flow — burning cash

TRV3 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : EME

The strongest argument for EME centers on PEG Ratio, Return on Equity, Altman Z-Score. Revenue growth of 19.7% demonstrates continued momentum. PEG of 0.44 suggests the stock is reasonably priced for its growth.

Bull Case : TRV

The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.

Bear Case : EME

The primary concerns for EME are P/E Ratio, Price/Book, Profit Margin.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

EME profiles as a growth stock while TRV is a value play — different risk/reward profiles.

EME carries more volatility with a beta of 1.12 — expect wider price swings.

EME is growing revenue faster at 19.7% — sustainability is the question.

TRV generates stronger free cash flow (2.2B), providing more financial flexibility.

Bottom Line

TRV scores higher overall (72/100 vs 66/100), backed by strong 15.5% margins. Both earn "Strong Buy" and "Strong 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.

EMCOR Group Inc

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

EMCOR Group, Inc. provides electrical and mechanical installation and construction services in the United States. The company is headquartered in Norwalk, Connecticut.

The Travelers Companies Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.

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