The Travelers Companies Inc (TRV)vsWhite Mountains Insurance Group Ltd (WTM)
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
WTM
White Mountains Insurance Group Ltd
$2,205.51
-0.29%
FINANCIAL SERVICES · Cap: $5.47B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 1207% more annual revenue ($48.83B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 12.9%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).
TRV
Strong Buy71
out of 100
Grade: B
WTM
Exceptional Buy82
out of 100
Grade: A-
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
+26.7%
Fair Value
$2924.48
Current Price
$2205.51
$718.97 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
Reasonable price relative to book value
Strong operational efficiency at 64.3%
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
3.5% revenue growth
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bull Case : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. PEG of 0.81 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 : WTM
The primary concerns for WTM are Revenue Growth, Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
TRV carries more volatility with a beta of 0.50 — expect wider price swings.
TRV is growing revenue faster at 3.5% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WTM scores higher overall (82/100 vs 71/100), backed by strong 29.6% margins. TRV offers better value entry with a 75.4% margin of safety. Both earn "Exceptional 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 →White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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