The Travelers Companies Inc (TRV)vsUniversal Insurance Holdings Inc (UVE)
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
UVE
Universal Insurance Holdings Inc
$34.19
-1.95%
FINANCIAL SERVICES · Cap: $978.07M
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 2944% more annual revenue ($48.83B vs $1.60B). TRV leads profitability with a 12.9% profit margin vs 11.4%. UVE trades at a lower P/E of 5.4x. UVE earns a higher WallStSmart Score of 72/100 (B).
TRV
Strong Buy71
out of 100
Grade: B
UVE
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Margin of Safety
+89.4%
Fair Value
$301.86
Current Price
$34.19
$267.67 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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%
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.1%
Areas to Watch
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bull Case : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Bear Case : UVE
The primary concerns for UVE are Altman Z-Score, Market Cap.
Key Dynamics to Monitor
UVE carries more volatility with a beta of 0.70 — expect wider price swings.
UVE is growing revenue faster at 6.0% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVE scores higher overall (72/100 vs 71/100). TRV offers better value entry with a 75.4% margin of safety. Both earn "Strong Buy" and "Strong 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 Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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