Chubb Ltd (CB)vsDonegal Group A Inc (DGICA)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
DGICA
Donegal Group A Inc
$17.25
+0.23%
FINANCIAL SERVICES · Cap: $624.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 5997% more annual revenue ($59.63B vs $978.01M). CB leads profitability with a 17.3% profit margin vs 8.1%. DGICA appears more attractively valued with a PEG of 1.38. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
DGICA
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Margin of Safety
-25.9%
Fair Value
$14.82
Current Price
$17.25
$2.43 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 3.9%
Earnings declined 33.3%
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : DGICA
The strongest argument for DGICA centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : DGICA
The primary concerns for DGICA are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
CB profiles as a mature stock while DGICA is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.49 — expect wider price swings.
CB is growing revenue faster at 5.5% — 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 55/100), backed by strong 17.3% margins. Both earn "Strong 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.
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.
Donegal Group A Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.
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