WallStSmart

Loews Corp (L)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Loews Corp generates 25% more annual revenue ($18.51B vs $14.85B). WRB leads profitability with a 12.6% profit margin vs 8.8%. L appears more attractively valued with a PEG of 1.32. WRB earns a higher WallStSmart Score of 65/100 (C+).

L

Buy

54

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 6/9Altman Z: 0.48

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

L2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

WRB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.5x8/10

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

L4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
1.4%4/10

1.4% revenue growth

EPS GrowthGrowth
-6.3%2/10

Earnings declined 6.3%

Free Cash FlowQuality
$-132.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.482/10

Distress zone — elevated risk

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

PEG RatioValuation
3.992/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : L

The strongest argument for L centers on Price/Book, P/E Ratio. PEG of 1.32 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 : L

The primary concerns for L are Revenue Growth, EPS Growth, Free Cash Flow.

Bear Case : WRB

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

Key Dynamics to Monitor

L carries more volatility with a beta of 0.54 — expect wider price swings.

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

WRB generates stronger free cash flow (640M), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WRB scores higher overall (65/100 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.

Loews Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Loews Corporation is an American conglomerate headquartered in New York City. The company's majority-stake holdings include CNA Financial Corporation, Diamond Offshore Drilling, Boardwalk Pipeline Partners, Loews Hotels and Altium Packaging.

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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