The Travelers Companies Inc (TRV)vsVistra Energy Corp (VST)
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
VST
Vistra Energy Corp
$151.51
-0.79%
UTILITIES · Cap: $51.70B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 175% more annual revenue ($48.83B vs $17.74B). TRV leads profitability with a 12.9% profit margin vs 5.3%. VST appears more attractively valued with a PEG of 1.27. TRV earns a higher WallStSmart Score of 71/100 (B).
TRV
Strong Buy71
out of 100
Grade: B
VST
Buy53
out of 100
Grade: C-
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
-980.6%
Fair Value
$14.82
Current Price
$151.51
$136.69 premium
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%
Large-cap with strong market position
Areas to Watch
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Trading at 19.5x book value
5.3% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bull Case : VST
The strongest argument for VST centers on Market Cap. Revenue growth of 13.6% demonstrates continued momentum. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Bear Case : VST
The primary concerns for VST are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 70.1x leaves little room for execution misses. Debt-to-equity of 3.36 is elevated, increasing financial risk.
Key Dynamics to Monitor
VST carries more volatility with a beta of 1.45 — expect wider price swings.
VST is growing revenue faster at 13.6% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 53/100). 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 Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Vistra Energy Corp
UTILITIES · UTILITIES - INDEPENDENT POWER PRODUCERS · USA
Vistra Corp. The company is headquartered in Irving, Texas.
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