WallStSmart

Marsh & McLennan Companies Inc (MMC)vsTian Ruixiang Holdings Ltd (TIRX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 821600% more annual revenue ($26.45B vs $3.22M). MMC leads profitability with a 15.6% profit margin vs 0.0%. MMC earns a higher WallStSmart Score of 62/100 (C+).

MMC

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 8.0Value: 7.3Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

TIRX

Hold

44

out of 100

Grade: D

Growth: 4.0Profit: 3.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMCSignificantly Overvalued (-222.6%)

Margin of Safety

-222.6%

Fair Value

$56.64

Current Price

$182.70

$126.06 premium

UndervaluedFair: $56.64Overvalued

Intrinsic value data unavailable for TIRX.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMC3 strengths · Avg: 8.7/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Return on EquityProfitability
28.7%9/10

Every $100 of equity generates 29 in profit

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

TIRX1 strengths · Avg: 10.0/10
Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Areas to Watch

MMC4 concerns · Avg: 3.8/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

TIRX4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
4.9%4/10

4.9% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$2.73M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : MMC

The strongest argument for MMC centers on Market Cap, Return on Equity, Free Cash Flow. Profitability is solid with margins at 15.6% and operating margin at 19.2%. Revenue growth of 11.5% demonstrates continued momentum.

Bull Case : TIRX

The strongest argument for TIRX centers on Price/Book.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : TIRX

The primary concerns for TIRX are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

MMC profiles as a mature stock while TIRX is a value play — different risk/reward profiles.

TIRX carries more volatility with a beta of 1.06 — expect wider price swings.

MMC is growing revenue faster at 11.5% — sustainability is the question.

MMC generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

MMC scores higher overall (62/100 vs 44/100), backed by strong 15.6% margins and 11.5% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Marsh & McLennan Companies Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

Tian Ruixiang Holdings Ltd

FINANCIAL SERVICES · INSURANCE BROKERS · China

Tian Ruixiang Holdings Ltd, is an insurance broker in China. The company is headquartered in Beijing, China.

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