WallStSmart

Universal Insurance Holdings Inc (UVE)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 814% more annual revenue ($14.90B vs $1.63B). UVE leads profitability with a 13.5% profit margin vs 12.9%. UVE trades at a lower P/E of 5.8x. UVE earns a higher WallStSmart Score of 70/100 (B-).

UVE

Strong Buy

70

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 6.7Quality: 7.5
Piotroski: 6/9Altman Z: 0.99

WRB

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 1.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UVE5 strengths · Avg: 9.4/10
P/E RatioValuation
5.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
33.5%10/10

Every $100 of equity generates 33 in profit

EPS GrowthGrowth
68.6%10/10

Earnings expanding 68.6% YoY

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

WRB3 strengths · Avg: 8.3/10
Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Areas to Watch

UVE2 concerns · Avg: 2.5/10
Market CapQuality
$1.23B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.992/10

Distress zone — elevated risk

WRB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.2%4/10

1.2% revenue growth

PEG RatioValuation
4.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : UVE

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

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, 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 0.73 — expect wider price swings.

UVE is growing revenue faster at 6.7% — 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 (70/100 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.

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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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