Assurant Inc (AIZ)vsW. R. Berkley Corp (WRB)
AIZ
Assurant Inc
$217.02
-0.23%
FINANCIAL SERVICES · Cap: $10.87B
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 15% more annual revenue ($14.71B vs $12.81B). WRB leads profitability with a 12.1% profit margin vs 6.8%. AIZ appears more attractively valued with a PEG of 2.16. AIZ earns a higher WallStSmart Score of 66/100 (B-).
AIZ
Strong Buy66
out of 100
Grade: B-
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.8%
Fair Value
$523.84
Current Price
$217.02
$306.82 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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
6.8% margin — thin
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
AIZ carries more volatility with a beta of 0.55 — expect wider price swings.
AIZ is growing revenue faster at 7.9% — 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
AIZ scores higher overall (66/100 vs 55/100). Both earn "Strong 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.
Assurant Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.
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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