Chubb Ltd (CB)vsThe Hanover Insurance Group Inc (THG)
CB
Chubb Ltd
$338.25
+0.18%
FINANCIAL SERVICES · Cap: $130.50B
THG
The Hanover Insurance Group Inc
$225.84
+0.82%
FINANCIAL SERVICES · Cap: $7.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 815% more annual revenue ($61.90B vs $6.76B). CB leads profitability with a 18.1% profit margin vs 11.2%. THG appears more attractively valued with a PEG of 0.34. THG earns a higher WallStSmart Score of 69/100 (B-).
CB
Buy61
out of 100
Grade: C+
THG
Strong Buy69
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
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 20 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.9% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
4.3% revenue growth
Distress zone — elevated risk
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 : THG
The strongest argument for THG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.34 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 : THG
The primary concerns for THG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while THG is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.38 — expect wider price swings.
CB is growing revenue faster at 6.1% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
THG scores higher overall (69/100 vs 61/100). 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.
The Hanover Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hanover Insurance Group, Inc. offers a variety of property and casualty insurance products and services in the United States. The company is headquartered in Worcester, Massachusetts.
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