DUOL vs. WRB
DUOL (Duolingo, Inc.) and WRB (W. R. Berkley Corporation) are both stocks. DUOL operates in Software - Application (Technology), while WRB operates in Insurance - Property & Casualty (Financial Services). Over the past 3 years, DUOL returned -8.39%/yr vs 24.41%/yr for WRB. At a 0.08 correlation, their price movements are largely independent.
Performance
DUOL vs. WRB - Performance Comparison
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Returns By Period
In the year-to-date period, DUOL achieves a -30.13% return, which is significantly lower than WRB's -2.51% return.
DUOL
- 1D
- -0.98%
- 1M
- 9.43%
- YTD
- -30.13%
- 6M
- -37.52%
- 1Y
- -74.37%
- 3Y*
- -8.39%
- 5Y*
- —
- 10Y*
- —
WRB
- 1D
- 1.08%
- 1M
- 2.74%
- YTD
- -2.51%
- 6M
- 0.17%
- 1Y
- -4.36%
- 3Y*
- 24.41%
- 5Y*
- 17.90%
- 10Y*
- 17.92%
DUOL vs. WRB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
DUOL Duolingo, Inc. | -30.13% | -45.87% | 42.93% | 218.92% | -32.97% | -24.96% |
WRB W. R. Berkley Corporation | -2.51% | 23.02% | 27.19% | 0.25% | 33.92% | 12.77% |
Correlation
The correlation between DUOL and WRB is 0.04, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.04 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.03 |
Correlation (All Time) Calculated using the full available price history since Jul 28, 2021 | 0.08 |
Fundamentals
DUOL:
$11.67
WRB:
$4.45
DUOL:
10.51
WRB:
15.34
DUOL:
0.03
WRB:
0.89
DUOL:
4.04
WRB:
1.86
DUOL:
$1.10B
WRB:
$14.71B
DUOL:
$798.46M
WRB:
$2.91B
DUOL:
$167.30M
WRB:
$2.37B
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Return for Risk
DUOL vs. WRB — Risk / Return Rank
DUOL
WRB
DUOL vs. WRB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Duolingo, Inc. (DUOL) and W. R. Berkley Corporation (WRB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| DUOL | WRB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.95 | ||
| Sortino ratioReturn per unit of downside risk | -2.14 | ||
| Omega ratioGain probability vs. loss probability | 0.72 | 0.98 | -0.26 |
| Calmar ratioReturn relative to maximum drawdown | -0.92 | -0.29 | -0.63 |
| Martin ratioReturn relative to average drawdown | -1.26 | -0.54 | -0.72 |
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Drawdowns
DUOL vs. WRB - Drawdown Comparison
The maximum DUOL drawdown since its inception was -83.35%, which is greater than WRB's maximum drawdown of -69.33%. Use the drawdown chart below to compare losses from any high point for DUOL and WRB.
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Drawdown Indicators
| DUOL | WRB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.35% | -69.33% | -14.02% |
Max Drawdown (1Y)Largest decline over 1 year | -81.19% | -17.62% | -63.57% |
Max Drawdown (3Y)Largest decline over 3 years | -83.35% | -17.62% | -65.73% |
Max Drawdown (5Y)Largest decline over 5 years | — | -26.29% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -45.35% | — |
Current DrawdownCurrent decline from peak | -77.32% | -11.49% | -65.83% |
Average DrawdownAverage peak-to-trough decline | -35.76% | -14.58% | -21.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 59.48% | 9.29% | +50.19% |
Volatility
DUOL vs. WRB - Volatility Comparison
Duolingo, Inc. (DUOL) has a higher volatility of 15.67% compared to W. R. Berkley Corporation (WRB) at 7.63%. This indicates that DUOL's price experiences larger fluctuations and is considered to be riskier than WRB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| DUOL | WRB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.67% | 7.63% | +8.04% |
Volatility (6M)Calculated over the trailing 6-month period | 40.94% | 15.08% | +25.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 62.97% | 21.37% | +41.60% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.21% | 22.83% | +43.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 66.21% | 24.56% | +41.65% |
Dividends
DUOL vs. WRB - Dividend Comparison
DUOL has not paid dividends to shareholders, while WRB's dividend yield for the trailing twelve months is around 2.72%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DUOL Duolingo, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
WRB W. R. Berkley Corporation | 2.72% | 2.64% | 2.39% | 2.73% | 1.22% | 2.44% | 0.71% | 2.43% | 2.83% | 2.16% | 2.27% | 0.86% |
Financials
DUOL vs. WRB - Financials Comparison
This section allows you to compare key financial metrics between Duolingo, Inc. and W. R. Berkley Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
DUOL vs. WRB - Profitability Comparison
DUOL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a gross profit of 213.10M and revenue of 291.97M. Therefore, the gross margin over that period was 73.0%.
WRB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, W. R. Berkley Corporation reported a gross profit of 765.46M and revenue of 3.72B. Therefore, the gross margin over that period was 20.6%.
DUOL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported an operating income of 44.53M and revenue of 291.97M, resulting in an operating margin of 15.3%.
WRB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, W. R. Berkley Corporation reported an operating income of 606.51M and revenue of 3.72B, resulting in an operating margin of 16.3%.
DUOL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a net income of 43.46M and revenue of 291.97M, resulting in a net margin of 14.9%.
WRB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, W. R. Berkley Corporation reported a net income of 449.51M and revenue of 3.72B, resulting in a net margin of 12.1%.
Frequently Asked Questions
DUOL and WRB have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
DUOL has higher volatility (15.67%) compared to WRB (7.63%). In terms of maximum drawdown, DUOL dropped -83.35% vs WRB's -69.33%.
WRB currently has the higher Sharpe Ratio (-0.24 vs -1.19), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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