WallStSmart

Chubb Ltd (CB)vsSkyward Specialty Insurance Group, Inc. Common Stock (SKWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 3471% more annual revenue ($61.90B vs $1.73B). CB leads profitability with a 18.1% profit margin vs 10.8%. SKWD appears more attractively valued with a PEG of 0.73. SKWD earns a higher WallStSmart Score of 76/100 (B+).

CB

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 5.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.76

SKWD

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 6.0Value: 7.0Quality: 4.8
Piotroski: 3/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.7/10
P/E RatioValuation
12.0x10/10

Attractively priced relative to earnings

Market CapQuality
$130.50B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.5%8/10

Strong operational efficiency at 23.5%

Free Cash FlowQuality
$3.73B8/10

Generating 3.7B in free cash flow

SKWD4 strengths · Avg: 8.5/10
Revenue GrowthGrowth
53.0%10/10

Revenue surging 53.0% year-over-year

PEG RatioValuation
0.738/10

Growing faster than its price suggests

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

CB3 concerns · Avg: 2.0/10
PEG RatioValuation
2.552/10

Expensive relative to growth rate

EPS GrowthGrowth
-0.7%2/10

Earnings declined 0.7%

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

SKWD2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : SKWD

The strongest argument for SKWD centers on Revenue Growth, PEG Ratio, P/E Ratio. Revenue growth of 53.0% demonstrates continued momentum. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bear Case : CB

The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : SKWD

The primary concerns for SKWD are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

CB profiles as a mature stock while SKWD is a growth play — different risk/reward profiles.

CB carries more volatility with a beta of 0.38 — expect wider price swings.

SKWD is growing revenue faster at 53.0% — sustainability is the question.

CB generates stronger free cash flow (3.7B), providing more financial flexibility.

Bottom Line

SKWD scores higher overall (76/100 vs 61/100) and 53.0% 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.

Skyward Specialty Insurance Group, Inc. Common Stock

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company is headquartered in Houston, Texas.

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