W. R. Berkley Corp (WRB)vsExxon Mobil Corp (XOM)
WRB
W. R. Berkley Corp
$65.68
-1.28%
FINANCIAL SERVICES · Cap: $24.77B
XOM
Exxon Mobil Corp
$144.57
-1.37%
ENERGY · Cap: $607.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Exxon Mobil Corp generates 2095% more annual revenue ($326.01B vs $14.85B). WRB leads profitability with a 12.6% profit margin vs 7.8%. XOM appears more attractively valued with a PEG of 1.42. WRB earns a higher WallStSmart Score of 65/100 (C+).
WRB
Buy65
out of 100
Grade: C+
XOM
Buy50
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for WRB.
Margin of Safety
-37.0%
Fair Value
$106.98
Current Price
$144.57
$37.59 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 20 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 2.2B in free cash flow
Areas to Watch
4.0% revenue growth
Weak financial health signals
Expensive relative to growth rate
2.6% revenue growth
7.8% margin — thin
Weak financial health signals
Earnings declined 43.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : WRB
The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.
Bull Case : XOM
The strongest argument for XOM centers on Market Cap, Altman Z-Score, Debt/Equity. PEG of 1.42 suggests the stock is reasonably priced for its growth.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Bear Case : XOM
The primary concerns for XOM are Revenue Growth, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.33 — expect wider price swings.
WRB is growing revenue faster at 4.0% — sustainability is the question.
XOM generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 vs 50/100). Both earn "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.
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.
Exxon Mobil Corp
ENERGY · OIL & GAS INTEGRATED · USA
Exxon Mobil Corporation, stylized as ExxonMobil, is an American multinational oil and gas corporation headquartered in Irving, Texas. It is the largest direct descendant of John D. Rockefeller's Standard Oil, and was formed on November 30, 1999 by the merger of Exxon (formerly the Standard Oil Company of New Jersey) and Mobil (formerly the Standard Oil Company of New York). ExxonMobil's primary brands are Exxon, Mobil, Esso, and ExxonMobil Chemical. ExxonMobil is incorporated in New Jersey.
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