WR BERKLEY CORP (WRB) Stock Fundamental Analysis
NYSE:WRB - New York Stock Exchange, Inc. - US0844231029 - Common Stock - Currency: USD
Taking everything into account, WRB scores 5 out of 10 in our fundamental rating. WRB was compared to 143 industry peers in the Insurance industry. WRB has an excellent profitability rating, but there are some minor concerns on its financial health. WRB is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In the past 5 years WRB has always been profitable.
Each year in the past 5 years WRB had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 4.13%, WRB belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
WRB's Return On Equity of 18.94% is amongst the best of the industry. WRB outperforms 86.01% of its industry peers.
WRB's Return On Invested Capital of 4.43% is amongst the best of the industry. WRB outperforms 81.82% of its industry peers.
The Average Return On Invested Capital over the past 3 years for WRB is in line with the industry average of 3.97%.
The 3 year average ROIC (4.25%) for WRB is below the current ROIC(4.43%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.13% | ||
| ROE | 18.94% | ||
| ROIC | 4.43% |
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
The Profit Margin of WRB (12.32%) is better than 74.83% of its industry peers.
In the last couple of years the Profit Margin of WRB has grown nicely.
WRB has a better Operating Margin (16.80%) than 75.52% of its industry peers.
In the last couple of years the Operating Margin of WRB has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.8% | ||
| PM (TTM) | 12.32% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WRB is destroying value.
The number of shares outstanding for WRB has been reduced compared to 1 year ago.
The number of shares outstanding for WRB has been reduced compared to 5 years ago.
WRB has a better debt/assets ratio than last year.
2.2 Solvency
WRB has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.84, WRB is doing good in the industry, outperforming 71.33% of the companies in the same industry.
A Debt/Equity ratio of 0.31 indicates that WRB is not too dependend on debt financing.
WRB's Debt to Equity ratio of 0.31 is in line compared to the rest of the industry. WRB outperforms 55.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACC0.53
WACC8.42%
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 4.39% over the past year.
Measured over the past years, WRB shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.10% on average per year.
Looking at the last year, WRB shows a quite strong growth in Revenue. The Revenue has grown by 11.49% in the last year.
The Revenue has been growing by 11.53% on average over the past years. This is quite good.
EPS 1Y (TTM)4.39%
EPS 3Y22.24%
EPS 5Y25.1%
EPS Q2Q%0.96%
Revenue 1Y (TTM)11.49%
Revenue growth 3Y12.99%
Revenue growth 5Y11.53%
Sales Q2Q%10.77%
3.2 Future
Based on estimates for the next years, WRB will show a small growth in Earnings Per Share. The EPS will grow by 2.11% on average per year.
WRB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.50% yearly.
EPS Next Y4.52%
EPS Next 2Y7.82%
EPS Next 3Y8.44%
EPS Next 5Y2.11%
Revenue Next Year11.29%
Revenue Next 2Y9.47%
Revenue Next 3Y8.29%
Revenue Next 5Y2.5%
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
WRB is valuated correctly with a Price/Earnings ratio of 16.94.
Based on the Price/Earnings ratio, WRB is valued a bit more expensive than the industry average as 62.24% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of WRB to the average of the S&P500 Index (26.41), we can say WRB is valued slightly cheaper.
WRB is valuated correctly with a Price/Forward Earnings ratio of 14.50.
Based on the Price/Forward Earnings ratio, WRB is valued a bit more expensive than 60.84% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.87, WRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.94 | ||
| Fwd PE | 14.5 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WRB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.79 | ||
| 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)3.75
PEG (5Y)0.67
EPS Next 2Y7.82%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
WRB has a yearly dividend return of 0.51%, which is pretty low.
Compared to an average industry Dividend Yield of 3.35, WRB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, WRB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.51% |
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
34.10% of the earnings are spent on dividend by WRB. This is a low number and sustainable payout ratio.
The dividend of WRB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP34.1%
EPS Next 2Y7.82%
EPS Next 3Y8.44%
NYSE:WRB (8/12/2025, 11:53:04 AM)
69.78
-0.18 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners69.98%
Inst Owner Change-1.03%
Ins Owners24.76%
Ins Owner Change0.11%
Market Cap26.47B
Analysts68.57
Price Target73.26 (4.99%)
Short Float %1.6%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.51% |
Yearly Dividend1.39
Dividend Growth(5Y)13.22%
DP34.1%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.42%
Min EPS beat(2)1.19%
Max EPS beat(2)1.65%
EPS beat(4)3
Avg EPS beat(4)4.89%
Min EPS beat(4)-0.35%
Max EPS beat(4)17.06%
EPS beat(8)7
Avg EPS beat(8)7.02%
EPS beat(12)10
Avg EPS beat(12)5.11%
EPS beat(16)14
Avg EPS beat(16)9.84%
Revenue beat(2)0
Avg Revenue beat(2)-0.32%
Min Revenue beat(2)-0.52%
Max Revenue beat(2)-0.11%
Revenue beat(4)1
Avg Revenue beat(4)0.15%
Min Revenue beat(4)-2.23%
Max Revenue beat(4)3.49%
Revenue beat(8)1
Avg Revenue beat(8)-0.64%
Revenue beat(12)2
Avg Revenue beat(12)-0.72%
Revenue beat(16)5
Avg Revenue beat(16)0%
PT rev (1m)0.4%
PT rev (3m)3.93%
EPS NQ rev (1m)-2.19%
EPS NQ rev (3m)-3.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)-0.56%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.94 | ||
| Fwd PE | 14.5 | ||
| P/S | 1.85 | ||
| P/FCF | 7.79 | ||
| P/OCF | 7.57 | ||
| P/B | 2.85 | ||
| P/tB | 2.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.12
EY5.9%
EPS(NY)4.81
Fwd EY6.9%
FCF(TTM)8.95
FCFY12.83%
OCF(TTM)9.22
OCFY13.22%
SpS37.66
BVpS24.5
TBVpS24.01
PEG (NY)3.75
PEG (5Y)0.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.13% | ||
| ROE | 18.94% | ||
| ROCE | 5.66% | ||
| ROIC | 4.43% | ||
| ROICexc | 4.64% | ||
| ROICexgc | 5.6% | ||
| OM | 16.8% | ||
| PM (TTM) | 12.32% | ||
| GM | N/A | ||
| FCFM | 23.77% |
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
ROICexcg growth 3Y7.06%
ROICexcg 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 | 0.31 | ||
| Debt/FCF | 0.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.71% | ||
| Interest Coverage | 17.37 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 192.92% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.42%
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)4.39%
EPS 3Y22.24%
EPS 5Y25.1%
EPS Q2Q%0.96%
EPS Next Y4.52%
EPS Next 2Y7.82%
EPS Next 3Y8.44%
EPS Next 5Y2.11%
Revenue 1Y (TTM)11.49%
Revenue growth 3Y12.99%
Revenue growth 5Y11.53%
Sales Q2Q%10.77%
Revenue Next Year11.29%
Revenue Next 2Y9.47%
Revenue Next 3Y8.29%
Revenue Next 5Y2.5%
EBIT growth 1Y-3.15%
EBIT growth 3Y17.51%
EBIT growth 5Y19.64%
EBIT Next Year36.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.95%
FCF growth 3Y18.31%
FCF growth 5Y30.21%
OCF growth 1Y28.76%
OCF growth 3Y18.98%
OCF growth 5Y26.32%