WallStSmart

Stewart Information Services Corp (STC)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 1397% more annual revenue ($48.98B vs $3.27B). TRV leads profitability with a 17.0% profit margin vs 4.1%. TRV appears more attractively valued with a PEG of 2.36. TRV earns a higher WallStSmart Score of 74/100 (B).

STC

Buy

56

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 5.0Quality: 5.5
Piotroski: 2/9Altman Z: 2.11

TRV

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.89

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

STC3 strengths · Avg: 8.7/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
24.5%8/10

Revenue surging 24.5% year-over-year

TRV6 strengths · Avg: 9.2/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
57.1%10/10

Earnings expanding 57.1% YoY

Market CapQuality
$78.66B9/10

Large-cap with strong market position

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

STC4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.712/10

Expensive relative to growth rate

TRV3 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : STC

The strongest argument for STC centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 24.5% demonstrates continued momentum.

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 : STC

The primary concerns for STC are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.1% margins leave little buffer for downturns.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

STC profiles as a growth stock while TRV is a value play — different risk/reward profiles.

STC carries more volatility with a beta of 0.99 — expect wider price swings.

STC is growing revenue faster at 24.5% — sustainability is the question.

TRV generates stronger free cash flow (1.9B), providing more financial flexibility.

Bottom Line

TRV scores higher overall (74/100 vs 56/100), backed by strong 17.0% margins. 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.

Stewart Information Services Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.

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 →

Want to dig deeper into these stocks?