Chubb Ltd (CB)vsHorace Mann Educators Corporation (HMN)
CB
Chubb Ltd
$333.37
-0.44%
FINANCIAL SERVICES · Cap: $129.32B
HMN
Horace Mann Educators Corporation
$45.35
-1.16%
FINANCIAL SERVICES · Cap: $1.91B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3445% more annual revenue ($61.90B vs $1.75B). CB leads profitability with a 18.1% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. HMN earns a higher WallStSmart Score of 68/100 (B-).
CB
Buy61
out of 100
Grade: C+
HMN
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.16 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 : HMN
The primary concerns for HMN are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while HMN is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.38 — expect wider price swings.
HMN is growing revenue faster at 7.7% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
HMN scores higher overall (68/100 vs 61/100). 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.
Horace Mann Educators Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Horace Mann Educators Corporation, is a multi-line insurance company in the United States. The company is headquartered in Springfield, Illinois.
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