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Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

W. R. Berkley Corporation, an insurance holding company, operates as a commercial lines writer in the United States and internationally. It operates through two segments, Insurance and Reinsurance. The Insurance segment underwrites commercial insurance business, including premises operations, commercial automobile, property, products liability, and professional liability lines. It also provides workers' compensation, property casualty, general liability, professional liability, and excess and umbrella coverage insurance products, as well as coverages for technology, ambulatory surgery centers, chiropractors, and concierge physicians; accident and health insurance and reinsurance products; insurance for commercial risks; pollution liability and coverages to contractors, consultants, and owners; and liquor liability and inland marine coverage for small to medium-sized insureds. In addition, this segment offers directors and officers, and surety risk products, as well as products for life sciences and travel industries; coverage for excess liability, construction wrap-ups, and completed operations; cyber risk solutions; casualty, group life, and crime-related insurance products; personal lines insurance solutions, including home, condo/co-op, and collectibles; automobile, law enforcement, public officials and educator's legal, and employment practices liability, as well as incidental medical insurance products; and at-risk and alternative risk insurance program management services. The Reinsurance segment provides other insurance companies and self-insureds with assistance in managing their net risk through reinsurance on a portfolio basis through treaty reinsurance or on an individual basis through facultative reinsurance. W. R. Berkley Corporation was founded in 1967 and is headquartered in Greenwich, Connecticut.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 15.31
17.51
18.72
21.11
22.01
24.77
24.78
27.10
29.79
29.72
33.02
growth rate 14.4% 6.9% 12.8% 4.3% 12.5% 0.0% 9.4% 9.9% -0.2% 11.1%
Earnings BIT 382.23
603.31
518.28
701.93
698.89
1,080.34
863.38
1,025.43
935.33
942.21
975.61
growth rate 57.8% -14.1% 35.4% -0.4% 54.6% -20.1% 18.8% -8.8% 0.7% 3.6%
Avg.PE 13.28
9.45
12.69
10.59
12.21
10.34
13.49
15.20
16.05
15.55
18.83
growth rate -28.8% 34.3% -16.6% 15.3% -15.3% 30.5% 12.7% 5.6% -3.1% 21.1%
ROA 1.85
2.58
2.19
2.64
2.46
3.07
2.32
2.67
2.30
2.60
2.65
growth rate 39.5% -15.1% 20.6% -6.8% 24.8% -24.4% 15.1% -13.9% 13.0% 1.9%
ROE 9.31
12.31
10.24
12.28
11.57
14.54
10.96
12.48
10.50
11.81
11.85
growth rate 32.2% -16.8% 19.9% -5.8% 25.7% -24.6% 13.9% -15.9% 12.5% 0.3%
ROIC 8.00
9.95
8.58
9.90
9.21
10.98
growth rate 24.4% -13.8% 15.4% -7.0% 19.2%
Leverage 4.82
4.73
4.61
4.68
4.74
4.73
4.72
4.63
4.49
4.58
4.39
growth rate -1.9% -2.5% 1.5% 1.3% -0.2% -0.2% -1.9% -3.0% 2.0% -4.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 3,271.25
4,056.24
4,131.64
2,089.75
2,108.06
2,201.22
1,963.12
2,155.69
2,434.13
growth rate 24.0% 1.9% -49.4% 0.9% 4.4% -10.8% 9.8% 12.9%
Acct.Payable 241.20
316.39
276.76
237.27
10,893.90
11,410.32
11,916.87
12,223.37
12,943.56
growth rate 31.2% -12.5% -14.3% 4,491.4% 4.7% 4.4% 2.6% 5.9%
Cur.Assets 5,234.39
5,298.77
5,580.67
5,923.05
6,001.50
6,698.71
growth rate 1.2% 5.3% 6.1% 1.3% 11.6%
Total Assets 17,328.60
17,528.50
18,403.87
20,155.90
20,551.80
21,716.69
21,730.97
23,364.84
24,299.92
24,895.98
26,643.43
growth rate 1.2% 5.0% 9.5% 2.0% 5.7% 0.1% 7.5% 4.0% 2.5% 7.0%
Cash 515.40
643.00
911.74
-6.10
-65.90
674.44
763.63
795.29
950.47
817.60
1,023.71
growth rate 24.8% 41.8% -100.0% 0.0% 100.0% 13.2% 4.2% 19.5% -14.0% 25.2%
Cur.Liabilities 3,570.01
14,068.07
14,744.80
15,282.73
16,061.86
16,985.26
growth rate 294.1% 4.8% 3.7% 5.1% 5.8%
Liabilities 13,732.50
13,825.70
14,450.52
15,849.70
16,215.80
17,092.56
17,097.76
18,283.71
18,848.75
19,416.18
20,525.09
growth rate 0.7% 4.5% 9.7% 2.3% 5.4% 0.0% 6.9% 3.1% 3.0% 5.7%
LT Debt 1,595.30
1,743.20
1,804.22
2,114.70
2,032.20
2,255.66
2,184.94
2,488.23
2,497.27
2,349.14
2,326.52
growth rate 9.3% 3.5% 17.2% -3.9% 11.0% -3.1% 13.9% 0.4% -5.9% -1.0%
Equity 3,596.10
3,702.90
3,953.36
4,306.20
4,336.00
4,589.95
4,600.25
5,047.21
5,411.34
5,437.85
6,074.94
growth rate 3.0% 6.8% 8.9% 0.7% 5.9% 0.2% 9.7% 7.2% 0.5% 11.7%
Common Shares 250.00
233.00
219.00
215.00
211.00
200.00
195.00
193.00
194.00
192.00
194.00
growth rate -6.8% -6.0% -1.8% -1.9% -5.2% -2.5% -1.0% 0.5% -1.0% 1.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 30.50
49.60
45.32
40.56
63.15
41.96
63.56
50.83
115.72
49.86
60.46
growth rate 62.6% -8.6% -10.5% 55.7% -33.6% 51.5% -20.0% 127.7% -56.9% 21.3%
Cash Dividends 28.80
49.30
43.25
183.95
52.72
54.57
58.03
62.15
66.78
71.97
78.88
growth rate 71.2% -12.3% 325.3% -71.3% 3.5% 6.3% 7.1% 7.5% 7.8% 9.6%
Cash From OA 316.10
451.30
670.28
675.46
819.80
734.85
881.30
848.38
710.88
620.20
1,143.79
growth rate 42.8% 48.5% 0.8% 21.4% -10.4% 19.9% -3.7% -16.2% -12.8% 84.4%
FCF per Share 1.14
1.73
2.24
2.95
3.67
3.56
3.71
4.80
2.87
2.36
5.47
growth rate 51.8% 29.5% 31.7% 24.4% -3.0% 4.2% 29.4% -40.2% -17.8% 131.8%
Sale Purchase of Stock -165.20
-120.00
-166.42
-238.93
-223.65
-132.39
-47.81
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF 286.00
402.00
625.00
635.00
757.00
693.00
818.00
798.00
595.00
570.00
1,083.00
growth rate 40.6% 55.5% 1.6% 19.2% -8.5% 18.0% -2.4% -25.4% -4.2% 90.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 4,431.20
4,724.10
5,155.98
5,823.55
6,408.53
7,128.93
7,206.46
7,654.18
7,684.76
7,691.65
7,902.20
growth rate 6.6% 9.1% 13.0% 10.1% 11.2% 1.1% 6.2% 0.4% 0.1% 2.7%
Op.Income 382.23
598.91
391.14
510.64
505.30
1,080.34
863.38
1,025.43
935.33
942.21
975.61
growth rate 56.7% -34.7% 30.6% -1.1% 113.8% -20.1% 18.8% -8.8% 0.7% 3.6%
IBT 382.20
598.90
513.09
701.93
698.89
952.20
732.03
896.44
772.77
812.09
852.92
growth rate 56.7% -14.3% 36.8% -0.4% 36.2% -23.1% 22.5% -13.8% 5.1% 5.0%
Net Income 309.10
446.40
391.14
510.60
499.90
648.88
503.69
601.92
549.09
640.75
681.94
growth rate 44.4% -12.4% 30.5% -2.1% 29.8% -22.4% 19.5% -8.8% 16.7% 6.4%
EPS 1.24
1.92
1.79
2.37
2.37
3.24
2.58
3.12
2.84
3.33
3.52
growth rate 54.8% -6.8% 32.4% 0.0% 36.7% -20.4% 20.9% -9.0% 17.3% 5.7%
Gross Profit 846.01
1,095.32
2,497.62
2,875.08
3,211.51
3,237.83
3,152.73
3,432.95
3,357.00
3,352.50
3,368.41
growth rate 29.5% 128.0% 15.1% 11.7% 0.8% -2.6% 8.9% -2.2% -0.1% 0.5%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Earnings BIT 263.20
314.92
218.87
178.63
8.73
growth rate 19.7% -30.5% -18.4% -95.1%
Balance Sheet Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Acct.Receivable 2,287.17
2,436.40
2,218.36
2,434.13
2,292.29
growth rate 6.5% -9.0% 9.7% -5.8%
Acct.Payable 12,355.89
12,615.23
12,733.50
12,943.56
13,101.24
growth rate 2.1% 0.9% 1.7% 1.2%
Cur.Assets 6,337.53
6,947.49
6,444.26
6,698.71
6,819.71
growth rate 9.6% -7.2% 4.0% 1.8%
Total Assets 25,585.26
26,487.90
26,218.51
26,643.43
26,089.93
growth rate 3.5% -1.0% 1.6% -2.1%
Cash 937.43
1,258.17
812.55
1,023.71
965.01
growth rate 34.2% -35.4% 26.0% -5.7%
Inventory
growth rate
Cur.Liabilities 15,953.48
16,427.17
16,522.05
16,985.26
16,952.80
growth rate 3.0% 0.6% 2.8% -0.2%
Liabilities 19,782.46
20,467.83
20,119.07
20,525.09
20,552.39
growth rate 3.5% -1.7% 2.0% 0.1%
LT Debt 2,782.70
2,781.67
2,342.78
2,326.52
2,631.07
growth rate 0.0% -15.8% -0.7% 13.1%
Equity 5,759.95
5,976.76
6,056.30
6,074.94
5,493.48
growth rate 3.8% 1.3% 0.3% -9.6%
Common Shares 70.54
70.54
70.54
70.54
70.54
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 3.30
7.51
-9.00
58.66
14.64
growth rate 127.5% -100.0% 100.0% -75.1%
Cash Dividends 18.30
18.30
26.18
34.40
20.07
growth rate 0.0% 43.1% 31.4% -41.7%
Cash From OA 78.33
324.32
392.40
348.75
152.57
growth rate 314.0% 21.0% -11.1% -56.3%
Sale Purchase of Stock
growth rate
FCF 75.03
316.81
383.40
290.09
137.93
growth rate 322.2% 21.0% -24.3% -52.5%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 1,937.02
2,023.38
1,965.72
1,976.07
1,810.61
growth rate 4.5% -2.9% 0.5% -8.4%
Op.Income 263.20
314.92
218.87
178.63
8.73
growth rate 19.7% -30.5% -18.4% -95.1%
IBT 229.44
273.74
202.98
146.76
-6.47
growth rate 19.3% -25.9% -27.7% -100.0%
Net Income 180.72
216.71
165.21
119.31
-4.42
growth rate 19.9% -23.8% -27.8% -100.0%
EPS
growth rate
Gross Profit 858.25
906.28
822.50
781.38
608.60
growth rate 5.6% -9.2% -5.0% -22.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (62.39)

YOY Growth Grade:

D (41.46)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 18.83 18.84 22.79
EPS / Growth -4.1% 3.61 16.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.7% 3.7%
Future PE 2.00 16.35 16.35
Future EPS 3.98 5.19 5.19
Value Price
MOS %
1.97
20.99
20.99
MOS Price 0.98 10.50 10.50
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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