WallStSmart

Chubb Ltd (CB)vsMarkel Corporation (MKL)

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Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 273% more annual revenue ($61.94B vs $16.60B). CB leads profitability with a 18.1% profit margin vs 13.8%. MKL appears more attractively valued with a PEG of 1.79. MKL earns a higher WallStSmart Score of 77/100 (B+).

CB

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 0.76

MKL

Strong Buy

77

out of 100

Grade: B+

Growth: 8.0Profit: 6.5Value: 5.7Quality: 6.0
Piotroski: 4/9Altman Z: 0.80

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.3/10
Market CapQuality
$139.12B9/10

Large-cap with strong market position

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.5%8/10

Strong operational efficiency at 20.5%

Free Cash FlowQuality
$3.73B8/10

Generating 3.7B in free cash flow

MKL5 strengths · Avg: 9.4/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.1%10/10

Strong operational efficiency at 30.1%

EPS GrowthGrowth
86.8%10/10

Earnings expanding 86.8% YoY

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Areas to Watch

CB4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

EPS GrowthGrowth
4.4%4/10

4.4% earnings growth

PEG RatioValuation
2.742/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

MKL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.802/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : MKL

The strongest argument for MKL centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : CB

The primary concerns for CB are Revenue Growth, EPS Growth, PEG Ratio.

Bear Case : MKL

The primary concerns for MKL are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

MKL carries more volatility with a beta of 0.64 — expect wider price swings.

MKL is growing revenue faster at 12.7% — sustainability is the question.

CB generates stronger free cash flow (3.7B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MKL scores higher overall (77/100 vs 61/100) and 12.7% revenue growth. Both earn "Strong 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.

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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