Old Republic International Corp (ORI)vsThe Travelers Companies Inc (TRV)
ORI
Old Republic International Corp
$39.36
+0.41%
FINANCIAL SERVICES · Cap: $9.67B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 434% more annual revenue ($48.83B vs $9.14B). TRV leads profitability with a 12.9% profit margin vs 10.2%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 74/100 (B).
ORI
Strong Buy74
out of 100
Grade: B
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.8%
Fair Value
$175.03
Current Price
$39.36
$135.67 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 95.7% YoY
Reasonable price relative to book value
19.3% revenue growth
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
No major concerns identified
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 19.3% demonstrates continued momentum. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : ORI
No major red flags identified for ORI, but monitor valuation.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
ORI profiles as a growth stock while TRV is a value play — different risk/reward profiles.
ORI carries more volatility with a beta of 0.75 — expect wider price swings.
ORI is growing revenue faster at 19.3% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORI scores higher overall (74/100 vs 71/100) and 19.3% revenue growth. TRV offers better value entry with a 75.4% margin of safety. Both earn "Strong Buy" and "Strong 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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