WallStSmart

Old Republic International Corp (ORI)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 61% more annual revenue ($14.71B vs $9.14B). WRB leads profitability with a 12.1% 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 Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 6.0Value: 10.0Quality: 5.3
Piotroski: 4/9

WRB

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 7.0Value: 4.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ORIUndervalued (+75.8%)

Margin of Safety

+75.8%

Fair Value

$175.03

Current Price

$39.36

$135.67 discount

UndervaluedFair: $175.03Overvalued
WRBSignificantly Overvalued (-136.4%)

Margin of Safety

-136.4%

Fair Value

$30.26

Current Price

$64.49

$34.23 premium

UndervaluedFair: $30.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ORI4 strengths · Avg: 9.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
95.7%10/10

Earnings expanding 95.7% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

WRB2 strengths · Avg: 8.0/10
P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

ORI0 concerns · Avg: 0/10

No major concerns identified

WRB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
10.112/10

Expensive relative to growth rate

EPS GrowthGrowth
-21.8%2/10

Earnings declined 21.8%

Comparative Analysis Report

WallStSmart Research

Bull 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 : WRB

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

Bear Case : ORI

No major red flags identified for ORI, but monitor valuation.

Bear Case : WRB

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

Key Dynamics to Monitor

ORI profiles as a growth stock while WRB 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.

WRB generates stronger free cash flow (896M), providing more financial flexibility.

Bottom Line

ORI scores higher overall (74/100 vs 55/100) and 19.3% 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.

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.

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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