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
$350.31
-1.05%
FINANCIAL SERVICES · Cap: $134.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 1837% more annual revenue ($61.90B vs $3.19B). CB leads profitability with a 18.1% profit margin vs 0.1%. AHL trades at a lower P/E of 4.9x. CB earns a higher WallStSmart Score of 61/100 (C+).
AHL
Hold50
out of 100
Grade: D+
CB
Buy61
out of 100
Grade: C+
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
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 23.5%
Generating 3.9B in free cash flow
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
Earnings declined 0.7%
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 Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 23.5%.
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, EPS Growth, 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 6.1% — 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 (61/100 vs 50/100), backed by strong 18.1% margins. Both earn "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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