Old Republic International Corp (ORI)vsThe Travelers Companies Inc (TRV)
ORI
Old Republic International Corp
$37.73
-0.97%
FINANCIAL SERVICES · Cap: $9.58B
TRV
The Travelers Companies Inc
$394.01
-0.76%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 403% more annual revenue ($48.92B vs $9.72B). TRV leads profitability with a 17.0% profit margin vs 11.7%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 78/100 (B+).
ORI
Strong Buy78
out of 100
Grade: B+
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 61.7% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 13.4% demonstrates continued momentum. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : ORI
The primary concerns for ORI are Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ORI profiles as a value stock while TRV is a declining play — different risk/reward profiles.
ORI carries more volatility with a beta of 0.59 — expect wider price swings.
ORI is growing revenue faster at 13.4% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
ORI scores higher overall (78/100 vs 66/100) and 13.4% revenue growth. Both earn "Strong Buy" and "Strong 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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