Chubb Ltd (CB)vsRLI Corp (RLI)
CB
Chubb Ltd
$325.20
+0.92%
FINANCIAL SERVICES · Cap: $126.81B
RLI
RLI Corp
$52.38
+4.03%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3112% more annual revenue ($60.99B vs $1.90B). RLI leads profitability with a 20.8% profit margin vs 18.5%. RLI appears more attractively valued with a PEG of 1.73. CB earns a higher WallStSmart Score of 75/100 (B).
CB
Strong Buy75
out of 100
Grade: B
RLI
Buy61
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%
Every $100 of equity generates 22 in profit
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
4.0% revenue growth
Earnings declined 12.2%
Distress zone — elevated risk
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 : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.8% and operating margin at 15.9%.
Bear Case : CB
The primary concerns for CB are PEG Ratio, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CB profiles as a mature stock while RLI is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.42 — expect wider price swings.
CB is growing revenue faster at 10.2% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
CB scores higher overall (75/100 vs 61/100), 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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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