Chubb Ltd (CB)vsRLI Corp (RLI)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
RLI
RLI Corp
$56.97
-1.74%
FINANCIAL SERVICES · Cap: $5.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3067% more annual revenue ($59.63B vs $1.88B). RLI leads profitability with a 21.4% profit margin vs 17.3%. RLI appears more attractively valued with a PEG of 1.73. RLI earns a higher WallStSmart Score of 75/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
RLI
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Margin of Safety
+69.3%
Fair Value
$205.45
Current Price
$56.97
$148.48 discount
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 24.2%
Earnings expanding 27.9% YoY
Generating 4.8B in free cash flow
Earnings expanding 124.4% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
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 17.3% and operating margin at 24.2%.
Bull Case : RLI
The strongest argument for RLI centers on EPS Growth, Debt/Equity, Return on Equity. Profitability is solid with margins at 21.4% and operating margin at 27.0%.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio.
Key Dynamics to Monitor
CB carries more volatility with a beta of 0.49 — expect wider price swings.
RLI is growing revenue faster at 6.1% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RLI scores higher overall (75/100 vs 69/100), backed by strong 21.4% margins. CB offers better value entry with a 73.1% margin of safety. Both earn "Strong Buy" and "Strong 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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