American Coastal Insurance Corp (ACIC)vsW. R. Berkley Corp (WRB)
ACIC
American Coastal Insurance Corp
$10.90
-0.18%
FINANCIAL SERVICES · Cap: $516.18M
WRB
W. R. Berkley Corp
$75.16
+1.76%
FINANCIAL SERVICES · Cap: $27.14B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 4397% more annual revenue ($14.87B vs $330.59M). ACIC leads profitability with a 30.3% profit margin vs 12.5%. ACIC appears more attractively valued with a PEG of 3.06. ACIC earns a higher WallStSmart Score of 60/100 (C+).
ACIC
Buy60
out of 100
Grade: C+
WRB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 4.5%
Earnings declined 16.6%
Expensive relative to growth rate
Revenue declined 0.8%
Earnings declined 10.9%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACIC
The strongest argument for ACIC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.3% and operating margin at 37.3%.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : ACIC
The primary concerns for ACIC are Market Cap, PEG Ratio, Revenue Growth.
Bear Case : WRB
The primary concerns for WRB are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.27 — expect wider price swings.
WRB is growing revenue faster at -0.8% — 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
ACIC scores higher overall (60/100 vs 55/100), backed by strong 30.3% margins. 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.
American Coastal Insurance Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Atlas Crest Investment Corp. The company is headquartered in New York, New York.
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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