The Hanover Insurance Group Inc (THG)vsW. R. Berkley Corp (WRB)
THG
The Hanover Insurance Group Inc
$170.50
-1.00%
FINANCIAL SERVICES · Cap: $6.05B
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 123% more annual revenue ($14.71B vs $6.59B). WRB leads profitability with a 12.1% profit margin vs 10.1%. THG appears more attractively valued with a PEG of 0.34. THG earns a higher WallStSmart Score of 76/100 (B+).
THG
Strong Buy76
out of 100
Grade: B+
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.3%
Fair Value
$700.16
Current Price
$170.50
$529.66 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
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
No major concerns identified
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : THG
The strongest argument for THG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.34 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 : THG
No major red flags identified for THG, but monitor valuation.
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.
THG is growing revenue faster at 5.5% — 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
THG scores higher overall (76/100 vs 55/100). 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.
The Hanover Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hanover Insurance Group, Inc. offers a variety of property and casualty insurance products and services in the United States. The company is headquartered in Worcester, Massachusetts.
Visit Website →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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