Assurant Inc (AIZ)vsChubb Ltd (CB)
AIZ
Assurant Inc
$217.02
-0.23%
FINANCIAL SERVICES · Cap: $10.87B
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 365% more annual revenue ($59.63B vs $12.81B). CB leads profitability with a 17.3% profit margin vs 6.8%. AIZ appears more attractively valued with a PEG of 2.16. CB earns a higher WallStSmart Score of 69/100 (B-).
AIZ
Strong Buy66
out of 100
Grade: B-
CB
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.8%
Fair Value
$523.84
Current Price
$217.02
$306.82 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
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
Expensive relative to growth rate
6.8% margin — thin
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book.
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 : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Key Dynamics to Monitor
AIZ profiles as a value stock while CB is a mature play — different risk/reward profiles.
AIZ carries more volatility with a beta of 0.55 — expect wider price swings.
AIZ is growing revenue faster at 7.9% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
CB scores higher overall (69/100 vs 66/100), backed by strong 17.3% margins. AIZ offers better value entry with a 58.8% 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.
Assurant Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.
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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