W. R. Berkley Corp (WRB)vsWhite Mountains Insurance Group Ltd (WTM)
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
WTM
White Mountains Insurance Group Ltd
$2,205.51
-0.29%
FINANCIAL SERVICES · Cap: $5.47B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 294% more annual revenue ($14.71B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 12.1%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).
WRB
Buy55
out of 100
Grade: C-
WTM
Exceptional Buy82
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
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
Reasonable price relative to book value
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
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
3.5% revenue growth
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
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 : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Bear Case : WTM
The primary concerns for WTM are Revenue Growth, Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
WTM carries more volatility with a beta of 0.34 — expect wider price swings.
WTM is growing revenue faster at 3.5% — 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
WTM scores higher overall (82/100 vs 55/100), backed by strong 29.6% margins. Both earn "Exceptional 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.
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.
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.
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