Chubb Ltd (CB)vsHagerty Inc (HGTY)
CB
Chubb Ltd
$350.31
-1.05%
FINANCIAL SERVICES · Cap: $134.37B
HGTY
Hagerty Inc
$13.61
+0.89%
FINANCIAL SERVICES · Cap: $3.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 4199% more annual revenue ($61.90B vs $1.44B). CB leads profitability with a 18.1% profit margin vs 2.0%. HGTY appears more attractively valued with a PEG of 0.23. CB earns a higher WallStSmart Score of 61/100 (C+).
CB
Buy61
out of 100
Grade: C+
HGTY
Buy56
out of 100
Grade: C
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 23.5%
Generating 3.9B in free cash flow
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
2.0% margin — thin
Elevated debt levels
Premium valuation, high expectations priced in
Revenue declined 5.0%
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 18.1% and operating margin at 23.5%.
Bull Case : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth. PEG of 0.23 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : HGTY
The primary concerns for HGTY are Profit Margin, Debt/Equity, P/E Ratio. A P/E of 48.0x leaves little room for execution misses. Thin 2.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while HGTY is a value play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.79 — expect wider price swings.
CB is growing revenue faster at 6.1% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
CB scores higher overall (61/100 vs 56/100), backed by strong 18.1% margins. 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.
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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a leading specialty insurance provider focused on the automotive enthusiast market, offering bespoke coverage for vintage cars, motorcycles, and collectible vehicles. Utilizing a subscription-based model, Hagerty has established a reliable revenue stream while fostering a vibrant community through exclusive events and digital engagement. The company enhances its competitive edge by diversifying its offerings to include vehicle valuation tools and investment resources. As interest in classic car ownership rises, Hagerty's innovative strategies and customer-centric approach uniquely position it for sustained growth within the expanding automotive collectibles sector.
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