Universal Insurance Holdings Inc (UVE)vsW. R. Berkley Corp (WRB)
UVE
Universal Insurance Holdings Inc
$45.98
-2.61%
FINANCIAL SERVICES · Cap: $1.31B
WRB
W. R. Berkley Corp
$71.63
-1.04%
FINANCIAL SERVICES · Cap: $28.00B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 793% more annual revenue ($14.90B vs $1.67B). UVE leads profitability with a 14.0% profit margin vs 12.9%. UVE trades at a lower P/E of 6.0x. UVE earns a higher WallStSmart Score of 67/100 (B-).
UVE
Strong Buy67
out of 100
Grade: B-
WRB
Buy63
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 30.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
1.2% 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 P/E Ratio, Price/Book.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
UVE carries more volatility with a beta of 0.70 — expect wider price swings.
UVE is growing revenue faster at 9.6% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVE scores higher overall (67/100 vs 63/100). 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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