ProAssurance Corporation (PRA)vsThe Travelers Companies Inc (TRV)
PRA
ProAssurance Corporation
$24.75
+0.20%
FINANCIAL SERVICES · Cap: $1.27B
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 4303% more annual revenue ($48.83B vs $1.11B). TRV leads profitability with a 12.9% profit margin vs 4.6%. PRA appears more attractively valued with a PEG of 0.78. TRV earns a higher WallStSmart Score of 71/100 (B).
PRA
Buy65
out of 100
Grade: C+
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+47.5%
Fair Value
$46.33
Current Price
$24.75
$21.58 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
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Strong operational efficiency at 20.3%
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
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
4.6% margin — thin
Revenue declined 4.1%
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 : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 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 : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin. Thin 4.6% margins leave little buffer for downturns.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
TRV carries more volatility with a beta of 0.50 — expect wider price swings.
TRV is growing revenue faster at 3.5% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 65/100). PRA offers better value entry with a 47.5% margin of safety. 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.
ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
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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