Chubb Ltd (CB)vsNI Holdings Inc (NODK)
CB
Chubb Ltd
$350.19
-3.25%
FINANCIAL SERVICES · Cap: $133.13B
NODK
NI Holdings Inc
$15.61
-0.26%
FINANCIAL SERVICES · Cap: $324.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 22602% more annual revenue ($62.02B vs $273.22M). CB leads profitability with a 18.0% profit margin vs -1.6%. CB earns a higher WallStSmart Score of 59/100 (C).
CB
Buy59
out of 100
Grade: C
NODK
Hold45
out of 100
Grade: D
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
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Strong operational efficiency at 26.4%
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.8%
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -1.7% — below average capital efficiency
Revenue declined 16.6%
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 : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Operating Margin.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Return on Equity.
Key Dynamics to Monitor
CB profiles as a mature stock while NODK is a turnaround play — different risk/reward profiles.
CB carries more volatility with a beta of 0.41 — expect wider price swings.
CB is growing revenue faster at 6.0% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
CB scores higher overall (59/100 vs 45/100), backed by strong 18.0% margins. Both earn "Buy" and "Hold" 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.
NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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