Hagerty Inc (HGTY)vsW. R. Berkley Corp (WRB)
HGTY
Hagerty Inc
$17.97
-2.12%
FINANCIAL SERVICES · Cap: $5.35B
WRB
W. R. Berkley Corp
$75.23
-2.27%
FINANCIAL SERVICES · Cap: $27.14B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 950% more annual revenue ($14.87B vs $1.42B). WRB leads profitability with a 12.5% profit margin vs 1.3%. HGTY appears more attractively valued with a PEG of 0.27. WRB earns a higher WallStSmart Score of 55/100 (C-).
HGTY
Buy54
out of 100
Grade: C-
WRB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 8.5x book value
1.3% margin — thin
Premium valuation, high expectations priced in
Revenue declined 6.5%
Expensive relative to growth rate
Revenue declined 0.8%
Earnings declined 10.9%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth. PEG of 0.27 suggests the stock is reasonably priced for its growth.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : HGTY
The primary concerns for HGTY are Price/Book, Profit Margin, P/E Ratio. A P/E of 141.6x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.
Bear Case : WRB
The primary concerns for WRB are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HGTY profiles as a value stock while WRB is a declining play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.83 — expect wider price swings.
WRB is growing revenue faster at -0.8% — sustainability is the question.
WRB generates stronger free cash flow (721M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 vs 54/100). 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider focused on the automotive enthusiast market, offering bespoke coverage for vintage cars, motorcycles, and collectible vehicles. Utilizing a subscription-based model, Hagerty has established a reliable revenue stream while fostering a vibrant community through exclusive events and digital engagement. The company enhances its competitive edge by diversifying its offerings to include vehicle valuation tools and investment resources. As interest in classic car ownership rises, Hagerty's innovative strategies and customer-centric approach uniquely position it for sustained growth within the expanding automotive collectibles sector.
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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