Chubb Ltd (CB)vsHagerty Inc (HGTY)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
HGTY
Hagerty Inc
$10.66
+0.95%
FINANCIAL SERVICES · Cap: $3.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3994% more annual revenue ($59.63B vs $1.46B). CB leads profitability with a 17.3% profit margin vs 2.9%. HGTY appears more attractively valued with a PEG of 0.23. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
HGTY
Strong Buy68
out of 100
Grade: B-
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
+31.6%
Fair Value
$17.32
Current Price
$10.66
$6.66 discount
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
Growing faster than its price suggests
Every $100 of equity generates 21 in profit
16.5% revenue growth
Areas to Watch
Expensive relative to growth rate
Moderate valuation
4.1% earnings growth
2.9% margin — thin
Distress zone — elevated risk
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 : HGTY
The strongest argument for HGTY centers on PEG Ratio, Return on Equity, Revenue Growth. Revenue growth of 16.5% demonstrates continued momentum. PEG of 0.23 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : HGTY
The primary concerns for HGTY are P/E Ratio, EPS Growth, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while HGTY is a growth play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.90 — expect wider price swings.
HGTY is growing revenue faster at 16.5% — 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 68/100), backed by strong 17.3% margins. HGTY offers better value entry with a 31.6% 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.
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 segment, offering comprehensive coverage tailored for vintage cars, motorcycles, and collectible vehicles. The company's unique subscription-based model not only delivers robust insurance solutions but also cultivates a vibrant community for car enthusiasts through events and digital platforms. Leveraging its deep expertise in the collector car market, Hagerty has diversified its offerings to include valuation tools and investment opportunities, further enhancing its value proposition. As interest in classic car ownership continues to rise, Hagerty's innovative strategies and strong brand loyalty position it for sustained growth in the lucrative automotive collectibles niche.
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