The Hanover Insurance Group Inc (THG)vsW. R. Berkley Corp (WRB)
THG
The Hanover Insurance Group Inc
$230.09
-0.97%
FINANCIAL SERVICES · Cap: $7.50B
WRB
W. R. Berkley Corp
$73.38
-3.00%
FINANCIAL SERVICES · Cap: $26.66B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 122% more annual revenue ($14.85B vs $6.69B). WRB leads profitability with a 12.6% profit margin vs 10.8%. THG appears more attractively valued with a PEG of 0.34. THG earns a higher WallStSmart Score of 73/100 (B).
THG
Strong Buy73
out of 100
Grade: B
WRB
Buy65
out of 100
Grade: C+
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 20 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 48.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
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 Debt/Equity, P/E Ratio, Price/Book.
Bear Case : THG
The primary concerns for THG are Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.29 — expect wider price swings.
THG is growing revenue faster at 6.1% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
THG scores higher overall (73/100 vs 65/100). 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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