Universal Insurance Holdings Inc (UVE)vsW. R. Berkley Corp (WRB)
UVE
Universal Insurance Holdings Inc
$44.33
+0.25%
FINANCIAL SERVICES · Cap: $1.23B
WRB
W. R. Berkley Corp
$69.90
-0.21%
FINANCIAL SERVICES · Cap: $25.90B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 814% more annual revenue ($14.90B vs $1.63B). UVE leads profitability with a 13.5% profit margin vs 12.9%. UVE trades at a lower P/E of 5.8x. UVE earns a higher WallStSmart Score of 70/100 (B-).
UVE
Strong Buy70
out of 100
Grade: B-
WRB
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 33 in profit
Earnings expanding 68.6% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
1.2% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, EPS Growth.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
UVE carries more volatility with a beta of 0.73 — expect wider price swings.
UVE is growing revenue faster at 6.7% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVE scores higher overall (70/100 vs 63/100). 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.
Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
Visit Website →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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