Chubb Ltd (CB)vsPalomar Holdings Inc (PLMR)
CB
Chubb Ltd
$338.25
+0.18%
FINANCIAL SERVICES · Cap: $130.50B
PLMR
Palomar Holdings Inc
$133.66
+0.56%
FINANCIAL SERVICES · Cap: $3.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 5571% more annual revenue ($61.90B vs $1.09B). PLMR leads profitability with a 18.6% profit margin vs 18.1%. CB trades at a lower P/E of 12.0x. PLMR earns a higher WallStSmart Score of 66/100 (B-).
CB
Buy61
out of 100
Grade: C+
PLMR
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 23.5%
Generating 3.7B in free cash flow
Revenue surging 54.7% year-over-year
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Strong operational efficiency at 23.8%
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on P/E Ratio, Market Cap, Debt/Equity. Profitability is solid with margins at 18.1% and operating margin at 23.5%.
Bull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, P/E Ratio. Profitability is solid with margins at 18.6% and operating margin at 23.8%. Revenue growth of 54.7% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : PLMR
No major red flags identified for PLMR, but monitor valuation.
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 0.38 — expect wider price swings.
PLMR is growing revenue faster at 54.7% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (66/100 vs 61/100), backed by strong 18.6% margins and 54.7% 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.
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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