Chubb Ltd (CB)vsPalomar Holdings Inc (PLMR)
CB
Chubb Ltd
$326.27
-0.36%
FINANCIAL SERVICES · Cap: $121.12B
PLMR
Palomar Holdings Inc
$108.51
+5.07%
FINANCIAL SERVICES · Cap: $3.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 6122% more annual revenue ($60.99B vs $980.27M). PLMR leads profitability with a 20.1% profit margin vs 18.5%. CB trades at a lower P/E of 11.1x. CB earns a higher WallStSmart Score of 77/100 (B+).
CB
Strong Buy77
out of 100
Grade: B+
PLMR
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 78.7% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 20.6%
Revenue surging 59.7% year-over-year
Every $100 of equity generates 21 in profit
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.3%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
0.0% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 18.5% and operating margin at 20.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 20.3%. Revenue growth of 59.7% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, Altman Z-Score.
Bear Case : PLMR
The primary concerns for PLMR are EPS Growth.
Key Dynamics to Monitor
CB profiles as a mature stock while PLMR is a growth play — different risk/reward profiles.
CB carries more volatility with a beta of 0.44 — expect wider price swings.
PLMR is growing revenue faster at 59.7% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
CB scores higher overall (77/100 vs 64/100), backed by strong 18.5% margins and 10.2% 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.
Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
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