Hagerty Inc (HGTY)vsW. R. Berkley Corp (WRB)
HGTY
Hagerty Inc
$10.84
+2.85%
FINANCIAL SERVICES · Cap: $3.72B
WRB
W. R. Berkley Corp
$67.14
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 931% more annual revenue ($14.85B vs $1.44B). WRB leads profitability with a 12.6% profit margin vs 2.0%. HGTY appears more attractively valued with a PEG of 0.23. WRB earns a higher WallStSmart Score of 65/100 (C+).
HGTY
Buy56
out of 100
Grade: C
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
2.0% margin — thin
Premium valuation, high expectations priced in
Revenue declined 5.0%
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth. PEG of 0.23 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 : HGTY
The primary concerns for HGTY are Profit Margin, P/E Ratio, Revenue Growth. A P/E of 45.2x leaves little room for execution misses. Thin 2.0% margins leave little buffer for downturns.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HGTY carries more volatility with a beta of 0.82 — expect wider price swings.
WRB is growing revenue faster at 4.0% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 vs 56/100). 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider uniquely focused on the automotive enthusiast market, offering comprehensive coverage for vintage cars, motorcycles, and collectible vehicles. Utilizing a subscription-based business model, the company fosters a vibrant community through exclusive events and digital engagement, enhancing customer loyalty and brand resonance. With its deep expertise in the collector car sector, Hagerty has expanded its portfolio to encompass valuation tools and investment resources, further solidifying its competitive advantage. As interest in classic car ownership continues to grow, Hagerty's innovative strategies and commitment to excellence position it well for sustained growth within the evolving automotive collectibles market.
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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