WallStSmart

The Travelers Companies Inc (TRV)vsWhite Mountains Insurance Group Ltd (WTM)

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Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 1207% more annual revenue ($48.83B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 12.9%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).

TRV

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.65

WTM

Exceptional Buy

82

out of 100

Grade: A-

Growth: 5.3Profit: 9.0Value: 9.3Quality: 5.0
Piotroski: 3/9Altman Z: 1.85
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TRVUndervalued (+75.4%)

Margin of Safety

+75.4%

Fair Value

$1213.50

Current Price

$290.59

$922.91 discount

UndervaluedFair: $1213.50Overvalued
WTMUndervalued (+26.7%)

Margin of Safety

+26.7%

Fair Value

$2924.48

Current Price

$2205.51

$718.97 discount

UndervaluedFair: $2924.48Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TRV6 strengths · Avg: 8.8/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Market CapQuality
$65.36B9/10

Large-cap with strong market position

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.9%8/10

Strong operational efficiency at 25.9%

WTM6 strengths · Avg: 9.3/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
64.3%10/10

Strong operational efficiency at 64.3%

Return on EquityProfitability
21.1%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

PEG RatioValuation
0.818/10

Growing faster than its price suggests

Areas to Watch

TRV4 concerns · Avg: 3.0/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Free Cash FlowQuality
$02/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

WTM4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-36.6%2/10

Earnings declined 36.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : TRV

The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.

Bull Case : WTM

The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. PEG of 0.81 suggests the stock is reasonably priced for its growth.

Bear Case : TRV

The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.

Bear Case : WTM

The primary concerns for WTM are Revenue Growth, Altman Z-Score, Piotroski F-Score.

Key Dynamics to Monitor

TRV carries more volatility with a beta of 0.50 — expect wider price swings.

TRV is growing revenue faster at 3.5% — sustainability is the question.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WTM scores higher overall (82/100 vs 71/100), backed by strong 29.6% margins. TRV offers better value entry with a 75.4% margin of safety. Both earn "Exceptional Buy" and "Strong 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.

The Travelers Companies Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.

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White Mountains Insurance Group Ltd

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.

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