Hartford vs W. R. Berkley
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KIRAβs take AI analyst
I put Hartford and W. R. Berkley side by side, using each oneβs latest annual report. Here is what stands out:
- Hartford is the larger business, with $28.4B of revenue in fiscal 2025 against $14.7B for W. R. Berkley, about 1.9 times as much.
- W. R. Berkley grew revenue faster (7.8%, against 6.9%).
- Investors pay more for each dollar of W. R. Berkleyβs earnings: a P/E of 15.2x against 8.8x for Hartford.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Hartford
HIG
3/5
Net marginReturn on equityShare count change
W. R. Berkley
WRB
2/5
Revenue growth5-year growth
Side by side
Best in the row
| Latest fiscal year | HIG FY25 | WRB FY25 |
|---|---|---|
| Size | ||
| Market cap | $37.6B | $28.9B |
| Revenue | $28.4B | $14.7B |
| Free cash flow | $5.8B | β |
| Net income | $3.8B | $1.8B |
| Growth | ||
| Revenue growth | 6.9% | 7.8% |
| 5-year growth | 6.7% | 12.7% |
| Share count change | β4.1% | β0.8% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 13.5% | 12.1% |
| FCF margin | 20.3% | β |
| Return on capital | 22.6% | β |
| Return on equity | 21.7% | 19.7% |
| Balance sheet | ||
| Net debt | β$159M | β |
| Net debt / EBITDA | β0.0x | β |
| Dividends and buybacks | $2.2B | $971M |
| Valuation & quality | ||
| P/E | 8.8x | 15.2x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.