Chubb Ltd (CB)vsKingstone Companies Inc (KINS)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
KINS
Kingstone Companies Inc
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $213.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 27906% more annual revenue ($59.63B vs $212.90M). KINS leads profitability with a 19.2% profit margin vs 17.3%. CB appears more attractively valued with a PEG of 2.86. KINS earns a higher WallStSmart Score of 78/100 (B+).
CB
Strong Buy69
out of 100
Grade: B-
KINS
Strong Buy78
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
+88.1%
Fair Value
$134.78
Current Price
$14.84
$119.94 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
Attractively priced relative to earnings
Every $100 of equity generates 43 in profit
Strong operational efficiency at 32.8%
Revenue surging 34.0% year-over-year
Earnings expanding 149.6% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
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 : KINS
The strongest argument for KINS centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 32.8%. Revenue growth of 34.0% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio.
Key Dynamics to Monitor
CB profiles as a mature stock while KINS is a growth play — different risk/reward profiles.
CB carries more volatility with a beta of 0.49 — expect wider price swings.
KINS is growing revenue faster at 34.0% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
KINS scores higher overall (78/100 vs 69/100), backed by strong 19.2% margins and 34.0% revenue growth. CB offers better value entry with a 73.1% 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.
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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