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