Compare Stocks › AAPL vs WRB
Apple Inc. (AAPL) vs W. R. Berkley Corporation (WRB)
AAPL
Apple Inc.
$248.96
VS
WRB
W. R. Berkley Corporation
$66.22
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
WRB
- ★Free cash flow has grown at a 10.7% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $2.28 of market value — management is an exceptional capital allocator.
- ★19 insider purchases totaling $665.3M with no sells in the past 3 months — insiders are putting their own money in.
Risks
AAPL
- ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠12 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
WRB
- ⚠Altman Z-Score of 1.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →AAPL
WRB
Valuation
$106.31B
Free Cash Flow
$3.35B
2.91%
FCF Yield
13.32%
31.55
Trailing P/E
14.88
26.71
Forward P/E
13.64
Quality & Moat
68.12%
ROIC
14.84%
127.01%
ROE
18.32%
47.33%
Gross Margin
43.41%
1.72
PEG Ratio
N/A
Balance Sheet Safety
1.03
Debt / Equity
0.32
N/A
Interest Coverage
N/A
0.15
Net Debt / EBITDA
-0.26
0.42%
Dividend Yield
0.54%
AAPL: 4Ties: 1WRB: 6
AAPLWRB
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
WRB
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
WRB
$2.28
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$3.18B
Δ Market Cap
+$7.25B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
38.3% Overvalued
Price is 38.3% above estimated fair value
Current Price: $248.96
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $179.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
WRB
30.9% Margin of Safety
Price is 30.9% below estimated fair value
Current Price: $66.22
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $95.80
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $249?
+14.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.2%
The market implies +14.5% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +15.2%, reflecting heavy growth investment.
WRB
What growth rate is the market pricing in at $66?
+2.6%
Market-Implied Owner Earnings Growth
Standard FCF implies -6.4%
The market implies +2.6% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding -6.4%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
WRB
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
WRB
-2.63
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.1%
No. of Institutional Holders7,544
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
WRB
Insiders 26.1%Institutions 79.7%
No. of Institutional Holders1,254
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
WRB
19
Buys (3M)
19
Buys (12M)
Total value (12M): $665.29M
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$18.75M
@ $72.61 · 2026-03-03
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$21.49M
@ $71.65 · 2026-02-27
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$39.38M
@ $71.13 · 2026-02-25
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$35.74M
@ $70.70 · 2026-02-20
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$2.84M
@ $70.93 · 2026-02-13
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$6.83M
@ $69.68 · 2026-02-11
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$2.84M
@ $70.88 · 2026-02-06
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$21.45M
@ $68.05 · 2026-02-04
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$33.09M
@ $68.22 · 2026-01-30
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$69.30M
@ $67.35 · 2026-01-28
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$46.90M
@ $67.19 · 2026-01-23
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$42.61M
@ $67.64 · 2026-01-21
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$36.64M
@ $68.49 · 2026-01-16
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$55.62M
@ $68.58 · 2026-01-14
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$32.64M
@ $69.45 · 2026-01-09
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$47.42M
@ $69.61 · 2026-01-07
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$47.17M
@ $70.11 · 2026-01-02
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$62.04M
@ $70.53 · 2025-12-29
MITSUI SUMITOMO INSURANCE CO., LTD.
Beneficial Owner of more than 10% of a Class of Security
$42.55M
@ $69.71 · 2025-12-22
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
0
Sells (3M)
12
Sells (12M)
Total value (12M): $129.96M
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
MAESTRI LUCA
Chief Financial Officer
$9.26M
@ $174.12 · 2024-04-11
O'BRIEN DEIRDRE
Officer
$9.24M
@ $168.91 · 2024-04-02
COOK TIMOTHY D
Chief Executive Officer
$33.26M
@ $169.33 · 2024-04-02
ADAMS KATHERINE L
General Counsel
$9.24M
@ $168.90 · 2024-04-02
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
WRB
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😐Neutral(52/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
WRB
😨Fear(39/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
WRB
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (39)