Chubb Ltd (CB)vsHorace Mann Educators Corporation (HMN)
CB
Chubb Ltd
$371.85
+0.39%
FINANCIAL SERVICES · Cap: $139.12B
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3446% more annual revenue ($61.94B 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. CB earns a higher WallStSmart Score of 61/100 (C+).
CB
Buy61
out of 100
Grade: C+
HMN
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.5%
Generating 6.1B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
0.3% revenue growth
4.4% earnings growth
Expensive relative to growth rate
Distress zone — elevated risk
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on Market Cap, Debt/Equity, P/E Ratio. Profitability is solid with margins at 18.1% and operating margin at 20.5%.
Bull Case : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are Revenue Growth, EPS Growth, PEG Ratio.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
CB carries more volatility with a beta of 0.36 — expect wider price swings.
CB is growing revenue faster at 0.3% — sustainability is the question.
CB generates stronger free cash flow (6.1B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CB scores higher overall (61/100 vs 60/100), 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.
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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