Assurant, Inc. (AIZ)vsChubb Ltd (CB)
AIZ
Assurant, Inc.
$282.46
+0.53%
FINANCIAL SERVICES · Cap: $13.83B
CB
Chubb Ltd
$338.25
+0.18%
FINANCIAL SERVICES · Cap: $130.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 360% more annual revenue ($61.90B vs $13.46B). CB leads profitability with a 18.1% profit margin vs 7.9%. AIZ appears more attractively valued with a PEG of 2.16. AIZ earns a higher WallStSmart Score of 65/100 (C+).
AIZ
Buy65
out of 100
Grade: C+
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
Earnings expanding 30.5% YoY
Attractively priced relative to earnings
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 23.5%
Generating 3.7B in free cash flow
Areas to Watch
Expensive relative to growth rate
7.9% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book, EPS Growth.
Bull Case : CB
The strongest argument for CB centers on P/E Ratio, Market Cap, Debt/Equity. Profitability is solid with margins at 18.1% and operating margin at 23.5%.
Bear Case : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin, Altman Z-Score.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
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 0.54 — expect wider price swings.
AIZ is growing revenue faster at 9.4% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
AIZ scores higher overall (65/100 vs 61/100). Both earn "Buy" and "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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