Aspen Insurance Holdings Limited (AHL)vsChubb Ltd (CB)
AHL
Aspen Insurance Holdings Limited
$37.50
0.00%
FINANCIAL SERVICES · Cap: $2.81B
CB
Chubb Ltd
$325.20
+0.92%
FINANCIAL SERVICES · Cap: $126.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 1809% more annual revenue ($60.99B vs $3.19B). CB leads profitability with a 18.5% profit margin vs 0.1%. AHL trades at a lower P/E of 4.9x. CB earns a higher WallStSmart Score of 75/100 (B).
AHL
Hold50
out of 100
Grade: D+
CB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 78.7% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 20.6%
Areas to Watch
0.1% revenue growth
Distress zone — elevated risk
0.1% margin — thin
Operating margin of 0.1%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AHL
The strongest argument for AHL centers on P/E Ratio, Price/Book, Debt/Equity.
Bull Case : CB
The strongest argument for CB centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 18.5% and operating margin at 20.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : AHL
The primary concerns for AHL are Revenue Growth, Altman Z-Score, Profit Margin. Thin 0.1% margins leave little buffer for downturns.
Bear Case : CB
The primary concerns for CB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AHL profiles as a value stock while CB is a mature play — different risk/reward profiles.
CB is growing revenue faster at 10.2% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CB scores higher overall (75/100 vs 50/100), backed by strong 18.5% margins and 10.2% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aspen Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Aspen Insurance Holdings Limited, participates in insurance and reinsurance businesses in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
Visit Website →Chubb Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.
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