Cincinnati Financial Corporation (CINF)vsW. R. Berkley Corp (WRB)
CINF
Cincinnati Financial Corporation
$160.35
+0.49%
FINANCIAL SERVICES · Cap: $25.07B
WRB
W. R. Berkley Corp
$66.49
+0.26%
FINANCIAL SERVICES · Cap: $25.89B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 15% more annual revenue ($14.85B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 12.6%. CINF appears more attractively valued with a PEG of 2.19. CINF earns a higher WallStSmart Score of 75/100 (B+).
CINF
Strong Buy75
out of 100
Grade: B+
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Every $100 of equity generates 20 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
4.0% revenue growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Profit Margin. Profitability is solid with margins at 21.3% and operating margin at 11.8%. Revenue growth of 11.6% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
CINF profiles as a mature stock while WRB is a value play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.64 — expect wider price swings.
CINF is growing revenue faster at 11.6% — sustainability is the question.
CINF generates stronger free cash flow (654M), providing more financial flexibility.
Bottom Line
CINF scores higher overall (75/100 vs 65/100), backed by strong 21.3% margins and 11.6% revenue growth. 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.
Cincinnati Financial Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company.
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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