Chipotle Mexican Grill Inc (CMG)vsW. R. Berkley Corp (WRB)
CMG
Chipotle Mexican Grill Inc
$32.50
-0.79%
CONSUMER CYCLICAL · Cap: $42.97B
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 23% more annual revenue ($14.71B vs $11.93B). CMG leads profitability with a 12.9% profit margin vs 12.1%. CMG appears more attractively valued with a PEG of 1.73. CMG earns a higher WallStSmart Score of 56/100 (C).
CMG
Buy56
out of 100
Grade: C
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-147.3%
Fair Value
$15.05
Current Price
$32.50
$17.45 premium
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
Every $100 of equity generates 47 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 15.0x book value
4.9% revenue growth
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : CMG
The strongest argument for CMG centers on Return on Equity.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : CMG
The primary concerns for CMG are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 3.48 is elevated, increasing financial risk.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
CMG carries more volatility with a beta of 1.02 — expect wider price swings.
CMG is growing revenue faster at 4.9% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Monitor RESTAURANTS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CMG scores higher overall (56/100 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.
Chipotle Mexican Grill Inc
CONSUMER CYCLICAL · RESTAURANTS · USA
Chipotle Mexican Grill, Inc., often known simply as Chipotle, is an American chain of fast casual restaurants in the United States, United Kingdom, Canada, Germany, and France, specializing in tacos and Mission burritos that are made to order in front of the customer.
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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