WallStSmart

American Coastal Insurance Corp (ACIC)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 4340% more annual revenue ($14.85B vs $334.46M). ACIC leads profitability with a 31.3% profit margin vs 12.6%. ACIC appears more attractively valued with a PEG of 3.21. WRB earns a higher WallStSmart Score of 65/100 (C+).

ACIC

Buy

60

out of 100

Grade: C+

Growth: 4.0Profit: 9.5Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.03

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACIC5 strengths · Avg: 9.6/10
P/E RatioValuation
4.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
31.6%10/10

Every $100 of equity generates 32 in profit

Profit MarginProfitability
31.3%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.2%10/10

Strong operational efficiency at 39.2%

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

WRB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

Areas to Watch

ACIC4 concerns · Avg: 2.3/10
Market CapQuality
$493.85M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.212/10

Expensive relative to growth rate

Revenue GrowthGrowth
-1.4%2/10

Revenue declined 1.4%

EPS GrowthGrowth
-9.9%2/10

Earnings declined 9.9%

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

PEG RatioValuation
4.192/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ACIC

The strongest argument for ACIC centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 39.2%.

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 0.29 — expect wider price swings.

WRB is growing revenue faster at 4.0% — sustainability is the question.

WRB generates stronger free cash flow (640M), providing more financial flexibility.

Bottom Line

WRB scores higher overall (65/100 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.

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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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