WallStSmart

CNA Financial Corporation (CNA)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNA Financial Corporation generates 2% more annual revenue ($15.15B vs $14.90B). WRB leads profitability with a 12.9% profit margin vs 8.2%. CNA appears more attractively valued with a PEG of 0.92. CNA earns a higher WallStSmart Score of 66/100 (B-).

CNA

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 5.5Value: 7.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.21

WRB

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNA4 strengths · Avg: 9.3/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.928/10

Growing faster than its price suggests

WRB3 strengths · Avg: 8.3/10
Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

CNA2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Altman Z-ScoreHealth
0.212/10

Distress zone — elevated risk

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.2%4/10

1.2% revenue growth

PEG RatioValuation
4.612/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CNA

The strongest argument for CNA centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 0.92 suggests the stock is reasonably priced for its growth.

Bull Case : WRB

The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.

Bear Case : CNA

The primary concerns for CNA are Revenue Growth, Altman Z-Score.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

WRB carries more volatility with a beta of 0.28 — expect wider price swings.

CNA is growing revenue faster at 3.0% — sustainability is the question.

WRB generates stronger free cash flow (788M), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNA scores higher overall (66/100 vs 63/100). 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.

CNA Financial Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

CNA Financial Corporation offers commercial property and casualty insurance products primarily in the United States.

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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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