WallStSmart

PPG Industries Inc (PPG)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 208% more annual revenue ($48.83B vs $15.88B). TRV leads profitability with a 12.9% profit margin vs 9.9%. PPG appears more attractively valued with a PEG of 1.26. TRV earns a higher WallStSmart Score of 71/100 (B).

PPG

Buy

61

out of 100

Grade: C+

Growth: 6.0Profit: 6.5Value: 7.3Quality: 5.5
Piotroski: 5/9

TRV

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PPGSignificantly Overvalued (-182.2%)

Margin of Safety

-182.2%

Fair Value

$46.44

Current Price

$103.42

$56.98 premium

UndervaluedFair: $46.44Overvalued
TRVUndervalued (+75.4%)

Margin of Safety

+75.4%

Fair Value

$1213.50

Current Price

$293.01

$920.49 discount

UndervaluedFair: $1213.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PPG3 strengths · Avg: 8.3/10
Return on EquityProfitability
21.1%9/10

Every $100 of equity generates 21 in profit

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

TRV6 strengths · Avg: 8.8/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Market CapQuality
$65.36B9/10

Large-cap with strong market position

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.9%8/10

Strong operational efficiency at 25.9%

Areas to Watch

PPG1 concerns · Avg: 2.0/10
EPS GrowthGrowth
-10.0%2/10

Earnings declined 10.0%

TRV4 concerns · Avg: 3.0/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Free Cash FlowQuality
$02/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PPG

The strongest argument for PPG centers on Return on Equity, P/E Ratio, Price/Book. PEG of 1.26 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.

Bear Case : PPG

The primary concerns for PPG are EPS Growth.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

PPG carries more volatility with a beta of 1.12 — expect wider price swings.

PPG is growing revenue faster at 5.0% — sustainability is the question.

Monitor SPECIALTY CHEMICALS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TRV scores higher overall (71/100 vs 61/100). 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.

PPG Industries Inc

BASIC MATERIALS · SPECIALTY CHEMICALS · USA

PPG Industries, Inc. is an American Fortune 500 company and global supplier of paints, coatings, and specialty materials. With headquarters in Pittsburgh, Pennsylvania, PPG operates in more than 70 countries around the globe.

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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