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W. R. Berkley Corporation

WRB
63
Insurance - Property & Casualty · Financial Services
Also trades as: 0HMZ.L GBP 0.74 (-1.89%)
Price
$74.06
-1.50 (-1.98%)
Market Cap
$27.50B
Winston Score
63
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 23, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality
Good
16/30
Growth
Good
10/20
Cash Flow
Exceptional
9/10
Stability
Exceptional
10/10
Valuation
Good
5/10
Ownership
Good
10/15
Dividends
Good
3/5

63 of 100 counted points = Winston Score 63.

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Share count falling — buybacks

−4.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 419.6M (2021) → 399.1M (2025)

§Winston Score History

The full picture

W. R. Berkley Corporation is an insurance company that sells property and casualty insurance. This means it helps businesses and individuals pay for unexpected losses — like damage from fires, accidents, or lawsuits. The company focuses on specialty and commercial insurance, meaning it covers harder-to-insure risks that many standard insurers avoid.

W. R. Berkley makes money by collecting premiums from policyholders and investing that money until claims need to be paid. It operates through more than 50 individual business units across the United States and internationally, making it one of the larger specialty insurance groups in the country. Its competitive edge comes from its decentralized structure, where each unit operates with significant independence and focuses on specific niches, allowing for disciplined underwriting. The main risk the company faces is a rise in large catastrophe losses or a softening insurance market, either of which could compress profit margins.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.8% YoY

YoY Growth Rate

Revenue declining

Reported EPS Growth

-10.9% YoY

Quarterly reporting periods ended:

30 Sept 2025: $1.29

30 Sept 2026: $1.15

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS decreased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

34.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$0 cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

W. R. Berkley Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
100.0%
Premium pricing power — 100.0% gross margin
Profit after running costs
Operating Margin
15.4%
Healthy — 15.4% operating margin
Return on the money invested
ROCE
N/A
Data not available

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Growth

Sales growth
Sales YoY
+22.7%
Fast-growing sales (+22.7% YoY)
Profit growth
EPS YoY
-1.0%
Earnings shrinking (-1.0% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
194%
Turns 194% of profit into real cash
Spare cash per sale
FCF Margin
19.3%
Converts sales into free cash efficiently (19.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
0.28
Conservative — low debt load (0.28)
Covers its interest
Interest Cover
18.73x
Comfortably covers interest (18.7x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
15.6x
Fair value — P/E 15.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.3
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
0.27%
Small dividend — 0.27% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+40.3%
Dividend growing fast (40.3% YoY)
Payout Ratio
26%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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