WRB vs CINF vs MKL
161 measures in 16 categories, one definition each, computed from filings and market data.
WRB59.9
W. R. Berkley Corporation
Financial Services · Insurance - Property & Casualty
$75.42 +1.96%$28.0B mkt cap
Score DNA
CINF78.0
Cincinnati Financial Corporation
Financial Services · Insurance - Property & Casualty
$171.25 +2.41%$26.3B mkt cap
Score DNA
MKL49.9
Markel Corporation
Financial Services · Insurance - Property & Casualty
$1,850.13 +1.43%$22.9B mkt cap
Score DNA
Price, rebased to 100 three years ago
WRB CINF MKL · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 1 | 3 |
| Insider $ bought, 180d | — | $0.17M | $0.37M |
| Congress purchases, 180d | 1 | 3 | 6 |
| Last Congress purchase | 2026-06-02 | 2026-09-18 | 2026-05-01 |
| 13F net change in holders | +28 | +32 | +2 |
| ETFs adding shares, 30d | 914 | 894 | 526 |
| ETFs trimming, 30d | 921 | 791 | 372 |
| Net ETF funds, 30d | −7 | +103 | +154 |
Valuation
16 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| P/E (TTM) | 14.5x
80th
|
7.9x
27th
|
10.0x
42nd
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.86
85th
|
0.22
22nd
|
0.83
81st
|
| Price / sales | 1.6x
62nd
|
1.9x
75th
|
1.3x
54th
|
| Price / book | 2.7x
78th
|
1.6x
38th
|
1.2x
24th
|
| Price / tangible book | 3.1x
73rd
|
1.7x
37th
|
1.5x
31st
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 6.9%
31st
|
12.7%
77th
|
10.0%
63rd
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $53.70
33rd
|
$226.60
87th
|
$2,782.72
100th
|
Profitability (TTM)
12 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 13.7%
46th
|
29.8%
85th
|
17.0%
65th
|
| EBIT margin | 14.1%
44th
|
30.1%
88th
|
17.9%
69th
|
| Net margin | 10.7%
48th
|
23.9%
87th
|
13.2%
67th
|
| NOPAT margin | 11.0%
46th
|
23.9%
83rd
|
13.4%
63rd
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 0.0%
0th
|
29.8%
88th
|
20.4%
87th
|
| Stock comp / revenue | 0.1%
38th
|
0.3%
49th
|
0.0%
0th
|
| Effective tax rate | 19.8%
20th
|
19.9%
26th
|
21.4%
70th
|
Returns on capital
11 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| ROE (on average equity) | 19.8%
54th
|
21.5%
68th
|
12.6%
32nd
|
| ROA | 4.4%
63rd
|
8.1%
85th
|
3.3%
52nd
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 5.7%
62nd
|
10.3%
83rd
|
4.5%
52nd
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 19.3%
80th
|
13.4%
59th
|
10.5%
45th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Revenue growth (TTM YoY) | 26.0%
88th
|
19.5%
78th
|
6.7%
40th
|
| Revenue growth (QoQ) | 85.2%
98th
|
49.3%
92nd
|
46.4%
90th
|
| Revenue CAGR, 3 yr | 15.7%
79th
|
14.2%
68th
|
5.0%
32nd
|
| Revenue CAGR, 5 yr | 15.4%
76th
|
8.1%
56th
|
6.8%
47th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 15.5%
36th
|
36.2%
61st
|
4.2%
21st
|
| Net income growth (TTM YoY) | 9.5%
16th
|
82.8%
79th
|
2.3%
14th
|
| Net income CAGR, 3 yr | 15.2%
31st
|
34.9%
62nd
|
5.7%
24th
|
| EPS growth (TTM YoY) | 11.9%
14th
|
85.0%
79th
|
16.0%
19th
|
| EPS CAGR, 3 yr | 16.9%
28th
|
35.5%
62nd
|
12.2%
24th
|
| EPS CAGR, 5 yr | 17.4%
76th
|
4.0%
39th
|
1.1%
27th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 15.7%
67th
|
15.3%
64th
|
17.0%
71st
|
| Dividend CAGR, 3 yr | -5.8%
17th
|
2.8%
47th
|
171.0%
100th
|
| Sustainable growth rate | 14.9%
62nd
|
18.0%
71st
|
9.3%
40th
|
Margin history & stability
7 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 15.0%
67th
|
24.7%
81st
|
17.5%
75th
|
| Net margin, 3-yr average | 11.7%
75th
|
19.9%
90th
|
13.3%
81st
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.94
52nd
|
0.78
23rd
|
0.95
65th
|
| Earnings stability (0-1) | 0.94
96th
|
0.14
21st
|
0.08
12th
|
| Margin stability (0-1) | 0.61
40th
|
0.87
88th
|
0.92
94th
|
Liquidity (latest quarter)
7 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 77.6%
56th
|
61.4%
13th
|
73.3%
38th
|
| IS credit model rating | AA | AA+ | AA- |
| Implied credit spread (bps) | 80
46th
|
65
2nd
|
100
58th
|
Efficiency
11 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| IS score | 60
58th
|
78
94th
|
50
27th
|
| IS profitability | 51
46th
|
82
87th
|
67
79th
|
| IS growth | 67
76th
|
73
82nd
|
46
22nd
|
| IS value | 69
31st
|
77
52nd
|
86
79th
|
| IS momentum | 91
78th
|
90
70th
|
68
22nd
|
| IS risk (safety) | 100
19th
|
100
19th
|
100
19th
|
| IS quality | 81
77th
|
88
88th
|
79
67th
|
| IS balance sheet | 78
75th
|
90
100th
|
73
58th
|
| IS earnings quality | 67
40th
|
68
48th
|
70
52nd
|
| IS cash flow | 79
65th
|
86
81st
|
57
27th
|
| Piotroski F-score (0-9) | 8
87th
|
8
87th
|
7
52nd
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −7.20
22nd
|
−8.74
4th
|
−7.28
20th
|
| IS credit score | 87
50th
|
94
77th
|
84
33rd
|
Size (TTM)
8 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| Market cap | $28.0B
92nd
|
$26.3B
90th
|
$22.9B
88th
|
| Revenue | $18.0B
90th
|
$13.9B
85th
|
$17.4B
88th
|
| EBITDA | $2.5B
87th
|
$4.4B
92nd
|
$3.3B
88th
|
| Net income | $1.9B
88th
|
$3.3B
92nd
|
$2.3B
90th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $45.7B
87th
|
$43.1B
85th
|
$71.3B
90th
|
| Shareholders' equity | $10.2B
85th
|
$16.7B
88th
|
$19.0B
90th
|
| Employees | 8,804
83rd
|
5,705
62nd
|
22,900
92nd
|
Price performance
9 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| 1 day | +2.0% | +2.4% | +1.4% |
| 1 week | +4.9% | +4.8% | +5.1% |
| 1 month | +7.7% | +1.4% | +3.7% |
| 3 months | +3.8% | −5.0% | −6.5% |
| 6 months | +14.1% | +2.7% | −6.9% |
| Year to date | +10.0% | +6.0% | −13.1% |
| 1 year | +1.5% | +9.5% | −3.4% |
| 3 years, cumulative | +90.5% | +76.1% | +24.4% |
| 5 years, cumulative | +149.2% | +57.9% | +46.2% |
Technicals
4 measures| Measure | WRB | CINF | MKL |
|---|---|---|---|
| RSI 14 | 76.7 | 63.5 | 68.1 |
| From 52-week high | −2.5% | −12.1% | −16.2% |
| From 52-week low | +21.2% | +14.2% | +8.6% |
| Beta | 0.27 | 0.53 | 0.64 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17