American Coastal Insurance Corp (ACIC)vsW. R. Berkley Corp (WRB)
ACIC
American Coastal Insurance Corp
$9.36
+0.21%
FINANCIAL SERVICES · Cap: $441.97M
WRB
W. R. Berkley Corp
$70.87
+1.39%
FINANCIAL SERVICES · Cap: $25.90B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 4406% more annual revenue ($14.90B vs $330.59M). ACIC leads profitability with a 30.3% profit margin vs 12.9%. ACIC appears more attractively valued with a PEG of 3.06. WRB earns a higher WallStSmart Score of 63/100 (C+).
ACIC
Buy60
out of 100
Grade: C+
WRB
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Every $100 of equity generates 29 in profit
Conservative balance sheet, low leverage
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%
1.2% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACIC
The strongest argument for ACIC centers on P/E Ratio, Price/Book, Profit 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 Debt/Equity, 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 Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACIC profiles as a declining stock while WRB is a value play — different risk/reward profiles.
WRB carries more volatility with a beta of 0.28 — expect wider price swings.
WRB is growing revenue faster at 1.2% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (63/100 vs 60/100). 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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