Chubb Ltd (CB)vsKinsale Capital Group Inc (KNSL)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
KNSL
Kinsale Capital Group Inc
$327.22
+0.22%
FINANCIAL SERVICES · Cap: $7.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3082% more annual revenue ($59.63B vs $1.87B). KNSL leads profitability with a 26.9% profit margin vs 17.3%. KNSL appears more attractively valued with a PEG of 1.07. KNSL earns a higher WallStSmart Score of 75/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
KNSL
Strong Buy75
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
+60.0%
Fair Value
$1013.22
Current Price
$327.22
$686.00 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
Strong operational efficiency at 36.8%
Every $100 of equity generates 29 in profit
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
17.3% revenue growth
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
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 : KNSL
The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 36.8%. Revenue growth of 17.3% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : KNSL
The primary concerns for KNSL are Piotroski F-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while KNSL is a growth play — different risk/reward profiles.
KNSL carries more volatility with a beta of 1.04 — expect wider price swings.
KNSL is growing revenue faster at 17.3% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
KNSL scores higher overall (75/100 vs 69/100), backed by strong 26.9% margins and 17.3% 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.
Kinsale Capital Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.
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