Ategrity Specialty Insurance Company Holdings (ASIC)vsThe Travelers Companies Inc (TRV)
ASIC
Ategrity Specialty Insurance Company Holdings
$23.21
-1.15%
FINANCIAL SERVICES · Cap: $1.22B
TRV
The Travelers Companies Inc
$394.01
-0.76%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 9365% more annual revenue ($48.92B vs $516.88M). ASIC leads profitability with a 20.7% profit margin vs 17.0%. TRV trades at a lower P/E of 10.5x. ASIC earns a higher WallStSmart Score of 70/100 (B-).
ASIC
Strong Buy70
out of 100
Grade: B-
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 31.3%
Revenue surging 45.9% year-over-year
Earnings expanding 71.8% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASIC
The strongest argument for ASIC centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.7% and operating margin at 31.3%. Revenue growth of 45.9% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : ASIC
The primary concerns for ASIC are Market Cap, Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ASIC profiles as a growth stock while TRV is a declining play — different risk/reward profiles.
ASIC is growing revenue faster at 45.9% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ASIC scores higher overall (70/100 vs 66/100), backed by strong 20.7% margins and 45.9% revenue growth. Both earn "Strong Buy" and "Strong 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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