WallStSmart

Stewart Information Services Corp (STC)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 380% more annual revenue ($14.85B vs $3.10B). WRB leads profitability with a 12.6% profit margin vs 4.2%. STC appears more attractively valued with a PEG of 3.71. WRB earns a higher WallStSmart Score of 65/100 (C+).

STC

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 5.0Quality: 6.3
Piotroski: 2/9Altman Z: 2.11

WRB

Buy

65

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

STC4 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
400.0%10/10

Earnings expanding 400.0% YoY

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
27.7%8/10

Revenue surging 27.7% year-over-year

WRB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

Areas to Watch

STC4 concerns · Avg: 3.0/10
Market CapQuality
$1.98B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
4.2%3/10

4.2% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
4.0%4/10

4.0% revenue growth

PEG RatioValuation
3.992/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : STC

The strongest argument for STC centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 27.7% demonstrates continued momentum.

Bull Case : WRB

The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.

Bear Case : STC

The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 4.2% margins leave little buffer for downturns.

Bear Case : WRB

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

Key Dynamics to Monitor

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

STC carries more volatility with a beta of 1.01 — expect wider price swings.

STC is growing revenue faster at 27.7% — sustainability is the question.

WRB generates stronger free cash flow (640M), providing more financial flexibility.

Bottom Line

WRB scores higher overall (65/100 vs 60/100). Both earn "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.

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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