WallStSmart

Lennox International Inc (LII)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 182% more annual revenue ($14.85B vs $5.26B). LII leads profitability with a 15.1% profit margin vs 12.6%. LII appears more attractively valued with a PEG of 1.52. WRB earns a higher WallStSmart Score of 65/100 (C+).

LII

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 8.5Value: 4.0Quality: 6.3
Piotroski: 3/9Altman Z: 4.22

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LIISignificantly Overvalued (-50.6%)

Margin of Safety

-50.6%

Fair Value

$370.16

Current Price

$541.37

$171.21 premium

UndervaluedFair: $370.16Overvalued

Intrinsic value data unavailable for WRB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LII2 strengths · Avg: 10.0/10
Return on EquityProfitability
76.8%10/10

Every $100 of equity generates 77 in profit

Altman Z-ScoreHealth
4.2210/10

Safe zone — low bankruptcy risk

WRB4 strengths · Avg: 8.3/10
Return on EquityProfitability
20.2%9/10

Every $100 of equity generates 20 in profit

P/E RatioValuation
14.1x8/10

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

LII4 concerns · Avg: 3.3/10
PEG RatioValuation
1.524/10

Expensive relative to growth rate

Price/BookValuation
16.2x4/10

Trading at 16.2x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-0.6%2/10

Earnings declined 0.6%

WRB3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.882/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : LII

The strongest argument for LII centers on Return on Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 14.4%.

Bull Case : WRB

The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.

Bear Case : LII

The primary concerns for LII are PEG Ratio, Price/Book, Piotroski F-Score.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

LII profiles as a mature stock while WRB is a value play — different risk/reward profiles.

LII carries more volatility with a beta of 1.21 — expect wider price swings.

LII is growing revenue faster at 5.8% — sustainability is the question.

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

Bottom Line

WRB scores higher overall (65/100 vs 56/100). 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.

Lennox International Inc

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Lennox International Inc. designs, manufactures and markets a range of products for the heating, ventilation, air conditioning and refrigeration markets in the United States, Canada and internationally. The company is headquartered in Richardson, Texas.

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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