Chubb Ltd (CB)vsRoot Inc (ROOT)
CB
Chubb Ltd
$326.27
-1.39%
FINANCIAL SERVICES · Cap: $126.81B
ROOT
Root Inc
$53.54
+1.71%
FINANCIAL SERVICES · Cap: $868.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3806% more annual revenue ($60.99B vs $1.56B). CB leads profitability with a 18.5% profit margin vs 3.5%. CB trades at a lower P/E of 11.6x. CB earns a higher WallStSmart Score of 75/100 (B).
CB
Strong Buy75
out of 100
Grade: B
ROOT
Buy57
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%
Earnings expanding 95.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
3.5% margin — thin
Weak financial health signals
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 : ROOT
The strongest argument for ROOT centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 12.6% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, Altman Z-Score.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Piotroski F-Score. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while ROOT is a value play — different risk/reward profiles.
ROOT carries more volatility with a beta of 2.86 — expect wider price swings.
ROOT is growing revenue faster at 12.6% — 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 57/100), 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.
Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
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