United Fire Group Inc (UFCS)vsW. R. Berkley Corp (WRB)
UFCS
United Fire Group Inc
$36.85
-1.10%
FINANCIAL SERVICES · Cap: $950.95M
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 961% more annual revenue ($14.71B vs $1.39B). WRB leads profitability with a 12.1% profit margin vs 8.5%. UFCS appears more attractively valued with a PEG of 1.41. UFCS earns a higher WallStSmart Score of 68/100 (B-).
UFCS
Strong Buy68
out of 100
Grade: B-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.2%
Fair Value
$173.82
Current Price
$36.85
$136.97 discount
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 20.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : UFCS
The primary concerns for UFCS are Market Cap.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
UFCS carries more volatility with a beta of 0.39 — expect wider price swings.
UFCS is growing revenue faster at 9.8% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UFCS scores higher overall (68/100 vs 55/100). 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.
United Fire Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.
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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