WallStSmart

Stewart Information Services Corp (STC)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 403% more annual revenue ($14.71B vs $2.93B). WRB leads profitability with a 12.1% profit margin vs 4.0%. STC appears more attractively valued with a PEG of 3.71. STC earns a higher WallStSmart Score of 59/100 (C).

STC

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 7.3Quality: 6.0
Piotroski: 2/9

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

STCUndervalued (+62.6%)

Margin of Safety

+62.6%

Fair Value

$189.54

Current Price

$58.62

$130.92 discount

UndervaluedFair: $189.54Overvalued
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

STC4 strengths · Avg: 9.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

EPS GrowthGrowth
55.2%10/10

Earnings expanding 55.2% YoY

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
19.7%8/10

19.7% 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

STC4 concerns · Avg: 2.8/10
Market CapQuality
$1.78B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.0%3/10

4.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.712/10

Expensive relative to growth rate

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 : 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 : WRB

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

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 : WRB

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

Key Dynamics to Monitor

STC profiles as a growth stock while WRB 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.

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

Bottom Line

STC scores higher overall (59/100 vs 55/100) and 19.7% revenue growth. 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.

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.

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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