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Compare Stocks › GOOGL vs WRB

Alphabet Inc. (GOOGL) vs W. R. Berkley Corporation (WRB)

GOOGL
Alphabet Inc.
$307.13
VS
WRB
W. R. Berkley Corporation
$66.22

Rewards

GOOGL
  • ★Alphabet Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Alphabet Inc. scores 89/100 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

GOOGL
  • ⚠FCF yield of 2.0% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
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

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GOOGL
WRB
Valuation
$73.27B
Free Cash Flow
$3.35B
1.97%
FCF Yield
13.32%
28.41
Trailing P/E
14.88
22.88
Forward P/E
13.64
Quality & Moat
20.83%
ROIC
14.84%
31.83%
ROE
18.32%
59.65%
Gross Margin
43.41%
0.91
PEG Ratio
N/A
Balance Sheet Safety
0.16
Debt / Equity
0.32
N/A
Interest Coverage
N/A
-0.40
Net Debt / EBITDA
-0.26
0.27%
Dividend Yield
0.54%
GOOGL: 6Ties: 1WRB: 4
GOOGLWRB

Historical Fundamentals

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GOOGL

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

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GOOGL
$9.18
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$288.67B
Δ Market Cap
+$2.65T
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
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

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

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GOOGL
20.0% Margin of Safety
Price is 20.0% below estimated fair value
Current Price: $307.13
Fair Value: $384.04
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
Fair Value: $95.80
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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GOOGL

What growth rate is the market pricing in at $307?

+12.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +20.2%

The market implies +12.1% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +20.2%, reflecting heavy growth investment expected to generate future returns.

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

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GOOGL
89/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

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.
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

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GOOGL
-2.92
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

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GOOGL
Insiders 0.6%Institutions 80.8%Retail & Other 18.6%
No. of Institutional Holders7,206
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

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GOOGL
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

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GOOGL
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
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

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GOOGL
FearGreed
😐Neutral(60/100)

"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
FearGreed
😨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

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GOOGL
⚪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 (60)
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)
View GOOGL Full AnalysisView WRB Full Analysis
Alphabet Inc. (GOOGL) vs W. R. Berkley Corporation (WRB) Stock Comparison | SafetyMargin.io