Ategrity Specialty Insurance Company Holdings (ASIC)vsThe Travelers Companies Inc (TRV)
ASIC
Ategrity Specialty Insurance Company Holdings
$18.81
-1.31%
FINANCIAL SERVICES · Cap: $930.57M
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 11407% more annual revenue ($48.83B vs $424.34M). ASIC leads profitability with a 17.4% profit margin vs 12.9%. TRV trades at a lower P/E of 10.7x. TRV earns a higher WallStSmart Score of 71/100 (B).
ASIC
Buy52
out of 100
Grade: C-
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-65.3%
Fair Value
$10.74
Current Price
$18.81
$8.07 premium
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 26.9%
17.9% revenue growth
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 9.0%
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASIC
The strongest argument for ASIC centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 26.9%. Revenue growth of 17.9% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : ASIC
The primary concerns for ASIC are Market Cap, Piotroski F-Score, EPS Growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
ASIC profiles as a growth stock while TRV is a value play — different risk/reward profiles.
ASIC is growing revenue faster at 17.9% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 52/100). 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.
Ategrity Specialty Insurance Company Holdings
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Ategrity Specialty Insurance Company Holdings, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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