Hagerty Inc (HGTY)vsW. R. Berkley Corp (WRB)
HGTY
Hagerty Inc
$10.66
+0.95%
FINANCIAL SERVICES · Cap: $3.59B
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 910% more annual revenue ($14.71B vs $1.46B). WRB leads profitability with a 12.1% profit margin vs 2.9%. HGTY appears more attractively valued with a PEG of 0.23. HGTY earns a higher WallStSmart Score of 68/100 (B-).
HGTY
Strong Buy68
out of 100
Grade: B-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+31.6%
Fair Value
$17.32
Current Price
$10.66
$6.66 discount
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
Growing faster than its price suggests
Every $100 of equity generates 21 in profit
16.5% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Moderate valuation
4.1% earnings growth
2.9% margin — thin
Distress zone — elevated risk
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, Return on Equity, Revenue Growth. Revenue growth of 16.5% demonstrates continued momentum. PEG of 0.23 suggests the stock is reasonably priced for its growth.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : HGTY
The primary concerns for HGTY are P/E Ratio, EPS Growth, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
HGTY profiles as a growth stock while WRB is a value play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.90 — expect wider price swings.
HGTY is growing revenue faster at 16.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
HGTY scores higher overall (68/100 vs 55/100) and 16.5% revenue growth. Both earn "Strong 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 segment, offering comprehensive coverage tailored for vintage cars, motorcycles, and collectible vehicles. The company's unique subscription-based model not only delivers robust insurance solutions but also cultivates a vibrant community for car enthusiasts through events and digital platforms. Leveraging its deep expertise in the collector car market, Hagerty has diversified its offerings to include valuation tools and investment opportunities, further enhancing its value proposition. As interest in classic car ownership continues to rise, Hagerty's innovative strategies and strong brand loyalty position it for sustained growth in the lucrative automotive collectibles niche.
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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