ProAssurance Corporation (PRA)vsW. R. Berkley Corp (WRB)
PRA
ProAssurance Corporation
$24.75
+0.20%
FINANCIAL SERVICES · Cap: $1.27B
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 1226% more annual revenue ($14.71B vs $1.11B). WRB leads profitability with a 12.1% profit margin vs 4.6%. PRA appears more attractively valued with a PEG of 0.78. PRA earns a higher WallStSmart Score of 65/100 (C+).
PRA
Buy65
out of 100
Grade: C+
WRB
Buy55
out of 100
Grade: C-
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
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
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
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
4.6% margin — thin
Revenue declined 4.1%
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
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 : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.34 — expect wider price swings.
WRB is growing revenue faster at 1.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRA scores higher overall (65/100 vs 55/100). 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.
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.
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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