WallStSmart

Chubb Ltd (CB)vsMarkel Corporation (MKL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 259% more annual revenue ($59.63B vs $16.59B). CB leads profitability with a 17.3% profit margin vs 12.7%. MKL appears more attractively valued with a PEG of 1.93. MKL earns a higher WallStSmart Score of 71/100 (B).

CB

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 7.3Quality: 5.3
Piotroski: 4/9

MKL

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 6.5Value: 10.0Quality: 4.8
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBUndervalued (+73.2%)

Margin of Safety

+73.2%

Fair Value

$1201.82

Current Price

$322.58

$879.24 discount

UndervaluedFair: $1201.82Overvalued
MKLUndervalued (+73.4%)

Margin of Safety

+73.4%

Fair Value

$7890.01

Current Price

$1875.35

$6014.66 discount

UndervaluedFair: $7890.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.2/10
Market CapQuality
$125.86B9/10

Large-cap with strong market position

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.2%8/10

Strong operational efficiency at 24.2%

EPS GrowthGrowth
27.9%8/10

Earnings expanding 27.9% YoY

Free Cash FlowQuality
$4.76B8/10

Generating 4.8B in free cash flow

MKL3 strengths · Avg: 10.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
95.4%10/10

Earnings expanding 95.4% YoY

Areas to Watch

CB1 concerns · Avg: 2.0/10
PEG RatioValuation
2.842/10

Expensive relative to growth rate

MKL2 concerns · Avg: 3.5/10
PEG RatioValuation
1.934/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : MKL

The strongest argument for MKL centers on P/E Ratio, Price/Book, EPS Growth.

Bear Case : CB

The primary concerns for CB are PEG Ratio.

Bear Case : MKL

The primary concerns for MKL are PEG Ratio, Piotroski F-Score.

Key Dynamics to Monitor

CB profiles as a mature stock while MKL is a value play — different risk/reward profiles.

MKL carries more volatility with a beta of 0.77 — expect wider price swings.

MKL is growing revenue faster at 9.9% — sustainability is the question.

CB generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

MKL scores higher overall (71/100 vs 69/100). CB offers better value entry with a 73.2% 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.

Markel Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.

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