WallStSmart

Uber Technologies Inc (UBER)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 254% more annual revenue ($52.02B vs $14.71B). UBER leads profitability with a 19.3% profit margin vs 12.1%. UBER appears more attractively valued with a PEG of 4.51. UBER earns a higher WallStSmart Score of 56/100 (C).

UBER

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 4/9Altman Z: 1.47

WRB

Buy

55

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 4.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UBERSignificantly Overvalued (-122.0%)

Margin of Safety

-122.0%

Fair Value

$32.16

Current Price

$72.34

$40.18 premium

UndervaluedFair: $32.16Overvalued
WRBSignificantly Overvalued (-136.4%)

Margin of Safety

-136.4%

Fair Value

$30.26

Current Price

$65.03

$34.77 premium

UndervaluedFair: $30.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UBER5 strengths · Avg: 8.6/10
Return on EquityProfitability
39.9%10/10

Every $100 of equity generates 40 in profit

Market CapQuality
$153.53B9/10

Large-cap with strong market position

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
20.1%8/10

Revenue surging 20.1% year-over-year

Free Cash FlowQuality
$2.81B8/10

Generating 2.8B in free cash flow

WRB3 strengths · Avg: 8.7/10
Revenue GrowthGrowth
150.0%10/10

Revenue surging 150.0% year-over-year

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
4.512/10

Expensive relative to growth rate

EPS GrowthGrowth
-95.6%2/10

Earnings declined 95.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

WRB3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
10.112/10

Expensive relative to growth rate

EPS GrowthGrowth
-21.8%2/10

Earnings declined 21.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 19.3% and operating margin at 12.3%. Revenue growth of 20.1% demonstrates continued momentum.

Bull Case : WRB

The strongest argument for WRB centers on Revenue Growth, P/E Ratio, Price/Book. Revenue growth of 150.0% demonstrates continued momentum.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : WRB

The primary concerns for WRB are Piotroski F-Score, PEG Ratio, EPS Growth.

Key Dynamics to Monitor

UBER carries more volatility with a beta of 1.22 — expect wider price swings.

WRB is growing revenue faster at 150.0% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UBER scores higher overall (56/100 vs 55/100), backed by strong 19.3% margins and 20.1% revenue growth. Both earn "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.

Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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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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