Universal Insurance Holdings Inc (UVE)vsW. R. Berkley Corp (WRB)
UVE
Universal Insurance Holdings Inc
$37.33
+5.21%
FINANCIAL SERVICES · Cap: $1.06B
WRB
W. R. Berkley Corp
$68.57
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 827% more annual revenue ($14.85B vs $1.60B). WRB leads profitability with a 12.6% profit margin vs 12.2%. UVE trades at a lower P/E of 5.6x. UVE earns a higher WallStSmart Score of 66/100 (B-).
UVE
Strong Buy66
out of 100
Grade: B-
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 33 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 0.3%
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Revenue Growth, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
UVE profiles as a declining stock while WRB is a value play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.75 — expect wider price swings.
WRB is growing revenue faster at 4.0% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Bottom Line
UVE scores higher overall (66/100 vs 65/100). 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.
Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
Visit Website →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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