HCI Group Inc (HCI)vsW. R. Berkley Corp (WRB)
HCI
HCI Group Inc
$153.85
-0.76%
FINANCIAL SERVICES · Cap: $2.00B
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 1532% more annual revenue ($14.71B vs $900.95M). HCI leads profitability with a 33.2% profit margin vs 12.1%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 79/100 (B+).
HCI
Strong Buy79
out of 100
Grade: B+
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.5%
Fair Value
$1063.30
Current Price
$153.85
$909.45 discount
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
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Keeps 33 of every $100 in revenue as profit
Revenue surging 48.0% year-over-year
Earnings expanding 1612.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Operating margin of -3.6%
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.2% and operating margin at -3.6%. Revenue growth of 48.0% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : HCI
The primary concerns for HCI are Market Cap, Operating Margin.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
HCI profiles as a growth stock while WRB is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.11 — expect wider price swings.
HCI is growing revenue faster at 48.0% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
HCI scores higher overall (79/100 vs 55/100), backed by strong 33.2% margins and 48.0% 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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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