Stewart Information Services Corp (STC)vsThe Travelers Companies Inc (TRV)
STC
Stewart Information Services Corp
$58.62
+0.27%
FINANCIAL SERVICES · Cap: $1.78B
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 1568% more annual revenue ($48.83B vs $2.93B). TRV leads profitability with a 12.9% profit margin vs 4.0%. TRV appears more attractively valued with a PEG of 2.36. TRV earns a higher WallStSmart Score of 71/100 (B).
STC
Buy59
out of 100
Grade: C
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+62.6%
Fair Value
$189.54
Current Price
$58.62
$130.92 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 55.2% YoY
Attractively priced relative to earnings
19.7% 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
Smaller company, higher risk/reward
4.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
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 : STC
The strongest argument for STC centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 19.7% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : STC
The primary concerns for STC are Market Cap, Profit Margin, Piotroski F-Score. Thin 4.0% 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
STC profiles as a growth stock while TRV is a value play — different risk/reward profiles.
STC carries more volatility with a beta of 1.00 — expect wider price swings.
STC is growing revenue faster at 19.7% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 59/100). STC offers better value entry with a 62.6% 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.
Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
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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