Root Inc (ROOT)vsThe Travelers Companies Inc (TRV)
ROOT
Root Inc
$45.59
+1.90%
FINANCIAL SERVICES · Cap: $709.14M
TRV
The Travelers Companies Inc
$296.60
-0.08%
FINANCIAL SERVICES · Cap: $66.16B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 3119% more annual revenue ($48.83B vs $1.52B). TRV leads profitability with a 12.9% profit margin vs 2.5%. TRV trades at a lower P/E of 10.8x. TRV earns a higher WallStSmart Score of 71/100 (B).
ROOT
Hold46
out of 100
Grade: D+
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-265.9%
Fair Value
$16.05
Current Price
$45.59
$29.54 premium
Margin of Safety
+75.3%
Fair Value
$1212.62
Current Price
$296.60
$916.02 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 21.5% year-over-year
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Smaller company, higher risk/reward
2.5% margin — thin
Operating margin of 2.6%
Earnings declined 76.4%
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ROOT
The strongest argument for ROOT centers on Price/Book, Revenue Growth. Revenue growth of 21.5% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Operating Margin. Thin 2.5% margins leave little buffer for downturns.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
ROOT profiles as a growth stock while TRV is a value play — different risk/reward profiles.
ROOT carries more volatility with a beta of 2.90 — expect wider price swings.
ROOT is growing revenue faster at 21.5% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 46/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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