American Integrity Insurance Group, Inc. (AII)vsChubb Ltd (CB)
AII
American Integrity Insurance Group, Inc.
$19.08
-1.09%
FINANCIAL SERVICES · Cap: $367.69M
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 21465% more annual revenue ($59.63B vs $276.49M). AII leads profitability with a 36.0% profit margin vs 17.3%. AII trades at a lower P/E of 3.3x. AII earns a higher WallStSmart Score of 72/100 (B).
AII
Strong Buy72
out of 100
Grade: B
CB
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+93.1%
Fair Value
$264.42
Current Price
$19.08
$245.34 discount
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 40 in profit
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Earnings expanding 70.1% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.2%
Earnings expanding 27.9% YoY
Generating 4.8B in free cash flow
Areas to Watch
1.4% revenue growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AII
The strongest argument for AII centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 36.0% and operating margin at 43.0%.
Bull Case : CB
The strongest argument for CB centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 17.3% and operating margin at 24.2%.
Bear Case : AII
The primary concerns for AII are Revenue Growth, Market Cap.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Key Dynamics to Monitor
AII profiles as a value stock while CB is a mature play — different risk/reward profiles.
CB is growing revenue faster at 5.5% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AII scores higher overall (72/100 vs 69/100), backed by strong 36.0% margins. CB offers better value entry with a 73.1% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American Integrity Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Integrity Insurance Group, Inc. (AII) is a leading provider in the homeowners' and property insurance market, with a strong focus on Florida. The company excels in delivering innovative, customer-centric solutions that cater to the ever-changing demands of homeowners in a competitive insurance landscape. Leveraging advanced technology and data analytics, AII improves claims processing and underwriting precision, which enhances customer satisfaction and loyalty. As the demand for dependable insurance solutions grows, American Integrity's financial stability and strategic approach enable it to capture significant market opportunities, positioning the company for sustained growth and expanding market presence.
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.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?