WallStSmart

Tenet Healthcare Corporation (THC)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Tenet Healthcare Corporation generates 45% more annual revenue ($21.31B vs $14.71B). WRB leads profitability with a 12.1% profit margin vs 6.6%. THC appears more attractively valued with a PEG of 4.69. THC earns a higher WallStSmart Score of 66/100 (B-).

THC

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 7.3Quality: 6.3
Piotroski: 6/9Altman Z: 1.67

WRB

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 7.0Value: 4.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

THCUndervalued (+68.8%)

Margin of Safety

+68.8%

Fair Value

$724.93

Current Price

$200.04

$524.89 discount

UndervaluedFair: $724.93Overvalued
WRBSignificantly Overvalued (-136.4%)

Margin of Safety

-136.4%

Fair Value

$30.26

Current Price

$64.49

$34.23 premium

UndervaluedFair: $30.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

THC3 strengths · Avg: 8.3/10
Return on EquityProfitability
27.0%9/10

Every $100 of equity generates 27 in profit

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
27.6%8/10

Earnings expanding 27.6% YoY

WRB2 strengths · Avg: 8.0/10
P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

THC3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Profit MarginProfitability
6.6%3/10

6.6% margin — thin

PEG RatioValuation
4.692/10

Expensive relative to growth rate

WRB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
10.112/10

Expensive relative to growth rate

EPS GrowthGrowth
-21.8%2/10

Earnings declined 21.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : THC

The strongest argument for THC centers on Return on Equity, P/E Ratio, EPS Growth.

Bull Case : WRB

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

Bear Case : THC

The primary concerns for THC are Altman Z-Score, Profit Margin, PEG Ratio.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

THC carries more volatility with a beta of 1.41 — expect wider price swings.

THC is growing revenue faster at 8.9% — sustainability is the question.

WRB generates stronger free cash flow (896M), providing more financial flexibility.

Monitor MEDICAL CARE FACILITIES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

THC scores higher overall (66/100 vs 55/100). 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.

Tenet Healthcare Corporation

HEALTHCARE · MEDICAL CARE FACILITIES · USA

Tenet Healthcare Corporation is a diversified health services company. The company is headquartered in Dallas, 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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