COMP <GO>
HIG vs WRB // EV/EBITDA & P/E VALUATION
The Hartford Insurance Group Inc. (NYSE) VS. W.R. Berkley Corporation (NYSE) • 15-METRIC TALLY: HIG 8
— WRB 3
▲ EV/EBITDA & P/E VALUATION LEADER: HIG
LAST: $132.59 (+0.40%) • MKT CAP: $35.31B
valuation
6.1x
LAST: $73.86 (+1.04%) • MKT CAP: $27.14B
valuation
14.3x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HIG VS. WRB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HIG | WRB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 28.40% | 8.00% | +20.40 | HIG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 6.1x | 14.3x | -8.20 | HIG | /valuation <GO> |
| Free Cash Flow Yield | 16.29% | 10.76% | +5.53 | HIG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 14.80% | +60.20 | HIG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 12.10% | +55.90 | HIG | /net-margins <GO> |
| Revenue Growth (YoY) | 3.30% | 7.80% | -4.50 | WRB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.68% | 2.58% | -0.90 | WRB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.6 | 53.5 | -4.90 | WRB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.89 | +0.03 | HIG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.6x | 14.2x | -5.60 | HIG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $35.31B | $27.14B | $8.18B | HIG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HIG REV | WRB REV | HIG GROSS % | WRB GROSS % | HIG FCF | WRB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.51B | $14.71B | — | — | $5.75B | $2.92B |
| FY 2024 | $1.46B | $13.64B | — | — | $5.76B | $3.06B |
| FY 2023 | $1.38B | $12.14B | — | — | $4.16B | $2.38B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HIG // BETA 0.92
WRB // BETA 0.89