American Financial Group Inc (AFG)vsW. R. Berkley Corp (WRB)
AFG
American Financial Group Inc
$126.85
-0.69%
FINANCIAL SERVICES · Cap: $10.64B
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 85% more annual revenue ($14.71B vs $7.94B). WRB leads profitability with a 12.1% profit margin vs 10.6%. AFG appears more attractively valued with a PEG of 2.30. AFG earns a higher WallStSmart Score of 61/100 (C+).
AFG
Buy61
out of 100
Grade: C+
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.4%
Fair Value
$362.07
Current Price
$126.85
$235.22 discount
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 21.3%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Revenue declined 3.4%
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFG
The strongest argument for AFG centers on P/E Ratio, Price/Book, Operating Margin.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : AFG
The primary concerns for AFG are PEG Ratio, Piotroski F-Score, Revenue Growth.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
AFG profiles as a declining stock while WRB is a value play — different risk/reward profiles.
AFG carries more volatility with a beta of 0.67 — expect wider price swings.
WRB is growing revenue faster at 1.5% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
AFG scores higher overall (61/100 vs 55/100). 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 Financial Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Financial Group, Inc., an insurance holding company, offers property and casualty insurance products in the United States. The company is headquartered in Cincinnati, Ohio.
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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