WallStSmart

United Fire Group Inc (UFCS)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 961% more annual revenue ($14.71B vs $1.39B). WRB leads profitability with a 12.1% profit margin vs 8.5%. UFCS appears more attractively valued with a PEG of 1.41. UFCS earns a higher WallStSmart Score of 68/100 (B-).

UFCS

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 5.5Value: 10.0Quality: 5.8
Piotroski: 4/9

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

UFCSUndervalued (+77.2%)

Margin of Safety

+77.2%

Fair Value

$173.82

Current Price

$36.85

$136.97 discount

UndervaluedFair: $173.82Overvalued
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

UFCS4 strengths · Avg: 9.3/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
20.0%8/10

Earnings expanding 20.0% 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

UFCS1 concerns · Avg: 3.0/10
Market CapQuality
$950.95M3/10

Smaller company, higher risk/reward

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 : UFCS

The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.41 suggests the stock is reasonably priced for its growth.

Bull Case : WRB

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

Bear Case : UFCS

The primary concerns for UFCS are Market Cap.

Bear Case : WRB

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

Key Dynamics to Monitor

UFCS carries more volatility with a beta of 0.39 — expect wider price swings.

UFCS is growing revenue faster at 9.8% — 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

UFCS scores higher overall (68/100 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.

United Fire Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.

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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