WallStSmart

Darden Restaurants Inc (DRI)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 16% more annual revenue ($14.85B vs $12.76B). WRB leads profitability with a 12.6% profit margin vs 8.7%. DRI appears more attractively valued with a PEG of 1.68. WRB earns a higher WallStSmart Score of 65/100 (C+).

DRI

Buy

55

out of 100

Grade: C-

Growth: 4.7Profit: 7.0Value: 4.0Quality: 4.3
Piotroski: 4/9Altman Z: 1.33

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DRISignificantly Overvalued (-64.2%)

Margin of Safety

-64.2%

Fair Value

$129.57

Current Price

$196.23

$66.66 premium

UndervaluedFair: $129.57Overvalued

Intrinsic value data unavailable for WRB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DRI1 strengths · Avg: 10.0/10
Return on EquityProfitability
51.5%10/10

Every $100 of equity generates 52 in profit

WRB4 strengths · Avg: 8.3/10
Return on EquityProfitability
20.2%9/10

Every $100 of equity generates 20 in profit

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

Areas to Watch

DRI4 concerns · Avg: 3.0/10
PEG RatioValuation
1.684/10

Expensive relative to growth rate

Price/BookValuation
10.7x4/10

Trading at 10.7x book value

EPS GrowthGrowth
-3.3%2/10

Earnings declined 3.3%

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

WRB3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.872/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : DRI

The strongest argument for DRI centers on Return on Equity.

Bull Case : WRB

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

Bear Case : DRI

The primary concerns for DRI are PEG Ratio, Price/Book, EPS Growth.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

DRI carries more volatility with a beta of 0.59 — expect wider price swings.

DRI is growing revenue faster at 5.9% — sustainability is the question.

WRB generates stronger free cash flow (640M), providing more financial flexibility.

Monitor RESTAURANTS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WRB scores higher overall (65/100 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.

Darden Restaurants Inc

CONSUMER CYCLICAL · RESTAURANTS · USA

Darden Restaurants, Inc. is an American multi-brand restaurant operator headquartered in Orlando.

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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