Old Republic International Corp (ORI)vsThe Travelers Companies Inc (TRV)
ORI
Old Republic International Corp
$40.96
+0.29%
FINANCIAL SERVICES · Cap: $9.86B
TRV
The Travelers Companies Inc
$375.20
+2.08%
FINANCIAL SERVICES · Cap: $78.26B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 404% more annual revenue ($48.98B 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 76/100 (B+).
ORI
Strong Buy76
out of 100
Grade: B+
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 61.7% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
No major concerns identified
0.3% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. 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, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : ORI
No major red flags identified for ORI, but monitor valuation.
Bear Case : TRV
The primary concerns for TRV are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ORI carries more volatility with a beta of 0.61 — expect wider price swings.
ORI is growing revenue faster at 13.4% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORI scores higher overall (76/100 vs 74/100) 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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