Chubb Ltd (CB)vsKingstone Companies Inc (KINS)
CB
Chubb Ltd
$350.19
-3.25%
FINANCIAL SERVICES · Cap: $133.13B
KINS
Kingstone Companies Inc
$20.39
+0.99%
FINANCIAL SERVICES · Cap: $288.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 27572% more annual revenue ($62.02B vs $224.14M). CB leads profitability with a 18.0% profit margin vs 13.9%. CB appears more attractively valued with a PEG of 3.12. KINS earns a higher WallStSmart Score of 62/100 (C+).
CB
Buy59
out of 100
Grade: C
KINS
Buy62
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 23.4%
Generating 3.9B in free cash flow
Attractively priced relative to earnings
Earnings expanding 149.6% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 27 in profit
Reasonable price relative to book value
Revenue surging 23.2% year-over-year
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.8%
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Operating margin of -12.3%
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 18.0% and operating margin at 23.4%.
Bull Case : KINS
The strongest argument for KINS centers on P/E Ratio, EPS Growth, Debt/Equity. Revenue growth of 23.2% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while KINS is a growth play — different risk/reward profiles.
KINS carries more volatility with a beta of 0.43 — expect wider price swings.
KINS is growing revenue faster at 23.2% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
KINS scores higher overall (62/100 vs 59/100) and 23.2% revenue growth. 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.
Kingstone Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.
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