WR BERKLEY CORP (WRB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WRB - US0844231029 - Common Stock
67.88 USD
-0.83 (-1.21%)
67.88 USD
0 (0%)
WRB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. WRB scores excellent on profitability, but there are some minor concerns on its financial health. While showing a medium growth rate, WRB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year WRB was profitable.
- In the past year WRB had a positive cash flow from operations.
- Each year in the past 5 years WRB has been profitable.
- WRB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- WRB has a better Return On Assets (4.36%) than 79.45% of its industry peers.
- Looking at the Return On Equity, with a value of 19.45%, WRB belongs to the top of the industry, outperforming 86.30% of the companies in the same industry.
- WRB has a Return On Invested Capital of 4.45%. This is in the better half of the industry: WRB outperforms 76.03% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for WRB is significantly below the industry average of 15.11%.
- The 3 year average ROIC (4.25%) for WRB is below the current ROIC(4.45%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.36% | ||
| ROE | 19.45% | ||
| ROIC | 4.45% |
ROA(3y)4.04%
ROA(5y)3.44%
ROE(3y)19.97%
ROE(5y)16.74%
ROIC(3y)4.25%
ROIC(5y)N/A
1.3 Margins
- With a decent Profit Margin value of 13.08%, WRB is doing good in the industry, outperforming 70.55% of the companies in the same industry.
- WRB's Profit Margin has improved in the last couple of years.
- WRB's Operating Margin of 17.00% is fine compared to the rest of the industry. WRB outperforms 67.81% of its industry peers.
- In the last couple of years the Operating Margin of WRB has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17% | ||
| PM (TTM) | 13.08% | ||
| GM | N/A |
OM growth 3Y4%
OM growth 5Y7.27%
PM growth 3Y5.99%
PM growth 5Y8.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- WRB has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- WRB has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for WRB has been reduced compared to 5 years ago.
- The debt/assets ratio for WRB has been reduced compared to a year ago.
2.2 Solvency
- WRB has a debt to FCF ratio of 0.86. This is a very positive value and a sign of high solvency as it would only need 0.86 years to pay back of all of its debts.
- WRB has a Debt to FCF ratio of 0.86. This is in the better half of the industry: WRB outperforms 73.29% of its industry peers.
- WRB has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
- WRB has a Debt to Equity ratio of 0.29. This is comparable to the rest of the industry: WRB outperforms 56.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.86 | ||
| Altman-Z | N/A |
ROIC/WACC0.53
WACC8.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 7.88% over the past year.
- WRB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.10% yearly.
- The Revenue has grown by 10.30% in the past year. This is quite good.
- WRB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.53% yearly.
EPS 1Y (TTM)7.88%
EPS 3Y22.24%
EPS 5Y25.1%
EPS Q2Q%18.28%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y12.99%
Revenue growth 5Y11.53%
Sales Q2Q%10.82%
3.2 Future
- WRB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.64% yearly.
- WRB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.69% yearly.
EPS Next Y4.98%
EPS Next 2Y6.23%
EPS Next 3Y6.43%
EPS Next 5Y2.64%
Revenue Next Year11.33%
Revenue Next 2Y8.37%
Revenue Next 3Y7.63%
Revenue Next 5Y2.69%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 15.82 indicates a correct valuation of WRB.
- 60.27% of the companies in the same industry are cheaper than WRB, based on the Price/Earnings ratio.
- WRB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 14.53 indicates a correct valuation of WRB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of WRB indicates a slightly more expensive valuation: WRB is more expensive than 60.27% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of WRB to the average of the S&P500 Index (24.26), we can say WRB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.82 | ||
| Fwd PE | 14.53 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WRB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- WRB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.18
PEG (5Y)0.63
EPS Next 2Y6.23%
EPS Next 3Y6.43%
5. Dividend
5.1 Amount
- WRB has a yearly dividend return of 0.52%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.53, WRB is paying slightly less dividend.
- With a Dividend Yield of 0.52, WRB pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.52% |
5.2 History
- On average, the dividend of WRB grows each year by 13.22%, which is quite nice.
- WRB has paid a dividend for at least 10 years, which is a reliable track record.
- WRB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.22%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- WRB pays out 26.69% of its income as dividend. This is a sustainable payout ratio.
- The dividend of WRB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.69%
EPS Next 2Y6.23%
EPS Next 3Y6.43%
67.88
-0.83 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners80.73%
Inst Owner Change0.14%
Ins Owners25.75%
Ins Owner Change4.69%
Market Cap25.80B
Revenue(TTM)14.57B
Net Income(TTM)1.91B
Analysts67.27
Price Target73.72 (8.6%)
Short Float %8.7%
Short Ratio7.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.52% |
Yearly Dividend1.39
Dividend Growth(5Y)13.22%
DP26.69%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.37%
Min EPS beat(2)-0.46%
Max EPS beat(2)1.19%
EPS beat(4)3
Avg EPS beat(4)4.86%
Min EPS beat(4)-0.46%
Max EPS beat(4)17.06%
EPS beat(8)6
Avg EPS beat(8)5.28%
EPS beat(12)9
Avg EPS beat(12)3.65%
EPS beat(16)13
Avg EPS beat(16)7.8%
Revenue beat(2)1
Avg Revenue beat(2)0.29%
Min Revenue beat(2)-0.11%
Max Revenue beat(2)0.7%
Revenue beat(4)2
Avg Revenue beat(4)0.89%
Min Revenue beat(4)-0.52%
Max Revenue beat(4)3.49%
Revenue beat(8)2
Avg Revenue beat(8)-0.27%
Revenue beat(12)3
Avg Revenue beat(12)-0.5%
Revenue beat(16)5
Avg Revenue beat(16)-0.22%
PT rev (1m)-1.69%
PT rev (3m)0.3%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-0.63%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.82 | ||
| Fwd PE | 14.53 | ||
| P/S | 1.77 | ||
| P/FCF | 7.78 | ||
| P/OCF | 7.59 | ||
| P/B | 2.63 | ||
| P/tB | 2.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.29
EY6.32%
EPS(NY)4.67
Fwd EY6.88%
FCF(TTM)8.73
FCFY12.86%
OCF(TTM)8.94
OCFY13.17%
SpS38.34
BVpS25.79
TBVpS25.3
PEG (NY)3.18
PEG (5Y)0.63
Graham Number49.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.36% | ||
| ROE | 19.45% | ||
| ROCE | 5.7% | ||
| ROIC | 4.45% | ||
| ROICexc | 4.72% | ||
| ROICexgc | 5.65% | ||
| OM | 17% | ||
| PM (TTM) | 13.08% | ||
| GM | N/A | ||
| FCFM | 22.77% |
ROA(3y)4.04%
ROA(5y)3.44%
ROE(3y)19.97%
ROE(5y)16.74%
ROIC(3y)4.25%
ROIC(5y)N/A
ROICexc(3y)4.44%
ROICexc(5y)N/A
ROICexgc(3y)5.47%
ROICexgc(5y)N/A
ROCE(3y)5.44%
ROCE(5y)N/A
ROICexgc growth 3Y7.06%
ROICexgc growth 5Y8.92%
ROICexc growth 3Y8.81%
ROICexc growth 5Y10.19%
OM growth 3Y4%
OM growth 5Y7.27%
PM growth 3Y5.99%
PM growth 5Y8.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.55% | ||
| Interest Coverage | 19.67 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 174.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.38%
ROIC/WACC0.53
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.87%
Cap/Sales(5y)0.76%
Profit Quality(3y)195.52%
Profit Quality(5y)218.22%
High Growth Momentum
Growth
EPS 1Y (TTM)7.88%
EPS 3Y22.24%
EPS 5Y25.1%
EPS Q2Q%18.28%
EPS Next Y4.98%
EPS Next 2Y6.23%
EPS Next 3Y6.43%
EPS Next 5Y2.64%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y12.99%
Revenue growth 5Y11.53%
Sales Q2Q%10.82%
Revenue Next Year11.33%
Revenue Next 2Y8.37%
Revenue Next 3Y7.63%
Revenue Next 5Y2.69%
EBIT growth 1Y-4.65%
EBIT growth 3Y17.51%
EBIT growth 5Y19.64%
EBIT Next Year39.8%
EBIT Next 3Y15.02%
EBIT Next 5YN/A
FCF growth 1Y13.44%
FCF growth 3Y18.31%
FCF growth 5Y30.21%
OCF growth 1Y12.26%
OCF growth 3Y18.98%
OCF growth 5Y26.32%
WR BERKLEY CORP / WRB FAQ
What is the ChartMill fundamental rating of WR BERKLEY CORP (WRB) stock?
ChartMill assigns a fundamental rating of 5 / 10 to WRB.
Can you provide the valuation status for WR BERKLEY CORP?
ChartMill assigns a valuation rating of 3 / 10 to WR BERKLEY CORP (WRB). This can be considered as Overvalued.
What is the profitability of WRB stock?
WR BERKLEY CORP (WRB) has a profitability rating of 7 / 10.
What is the valuation of WR BERKLEY CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for WR BERKLEY CORP (WRB) is 15.82 and the Price/Book (PB) ratio is 2.63.
Can you provide the expected EPS growth for WRB stock?
The Earnings per Share (EPS) of WR BERKLEY CORP (WRB) is expected to grow by 4.98% in the next year.