WallStSmart

The Travelers Companies Inc (TRV)vsValmont Industries Inc (VMI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 1075% more annual revenue ($48.94B vs $4.16B). TRV leads profitability with a 15.5% profit margin vs 8.9%. VMI appears more attractively valued with a PEG of 1.59. TRV earns a higher WallStSmart Score of 72/100 (B).

TRV

Strong Buy

72

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.65

VMI

Buy

60

out of 100

Grade: C

Growth: 5.3Profit: 7.5Value: 4.0Quality: 6.8
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for TRV.

VMISignificantly Overvalued (-71.5%)

Margin of Safety

-71.5%

Fair Value

$278.61

Current Price

$510.55

$231.94 premium

UndervaluedFair: $278.61Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TRV6 strengths · Avg: 9.2/10
P/E RatioValuation
8.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
357.6%10/10

Earnings expanding 357.6% YoY

Market CapQuality
$63.57B9/10

Large-cap with strong market position

Return on EquityProfitability
25.3%9/10

Every $100 of equity generates 25 in profit

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

VMI3 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

EPS GrowthGrowth
27.5%8/10

Earnings expanding 27.5% YoY

Areas to Watch

TRV3 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

VMI3 concerns · Avg: 3.7/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

P/E RatioValuation
28.3x4/10

Moderate valuation

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : TRV

The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.

Bull Case : VMI

The strongest argument for VMI centers on Debt/Equity, Return on Equity, EPS Growth.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.

Bear Case : VMI

The primary concerns for VMI are PEG Ratio, P/E Ratio, Piotroski F-Score.

Key Dynamics to Monitor

VMI carries more volatility with a beta of 1.36 — expect wider price swings.

VMI is growing revenue faster at 6.2% — sustainability is the question.

TRV generates stronger free cash flow (2.2B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TRV scores higher overall (72/100 vs 60/100), backed by strong 15.5% margins. 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 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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Valmont Industries Inc

INDUSTRIALS · CONGLOMERATES · USA

Valmont Industries, Inc. produces and sells metal products manufactured in the United States, Australia, Denmark, and internationally. The company is headquartered in Omaha, Nebraska.

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