Root Inc (ROOT)vsW. R. Berkley Corp (WRB)
ROOT
Root Inc
$45.59
+1.90%
FINANCIAL SERVICES · Cap: $709.14M
WRB
W. R. Berkley Corp
$65.74
-0.72%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 869% more annual revenue ($14.71B vs $1.52B). WRB leads profitability with a 12.1% profit margin vs 2.5%. WRB trades at a lower P/E of 14.8x. WRB earns a higher WallStSmart Score of 55/100 (C-).
ROOT
Hold46
out of 100
Grade: D+
WRB
Buy55
out of 100
Grade: C-
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
-136.4%
Fair Value
$30.26
Current Price
$65.74
$35.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 21.5% year-over-year
Revenue surging 150.0% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
2.5% margin — thin
Operating margin of 2.6%
Earnings declined 76.4%
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 : WRB
The strongest argument for WRB centers on Revenue Growth, P/E Ratio, Price/Book. Revenue growth of 150.0% demonstrates continued momentum.
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 : WRB
The primary concerns for WRB are Piotroski F-Score, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
ROOT carries more volatility with a beta of 2.90 — expect wider price swings.
WRB is growing revenue faster at 150.0% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (55/100 vs 46/100) and 150.0% revenue growth. Both earn "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 →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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