Chubb Ltd (CB)vsUnitedHealth Group Incorporated (UNH)
CB
Chubb Ltd
$319.64
-0.51%
FINANCIAL SERVICES · Cap: $123.98B
UNH
UnitedHealth Group Incorporated
$379.98
+2.77%
HEALTHCARE · Cap: $335.78B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 637% more annual revenue ($449.71B vs $60.99B). CB leads profitability with a 18.5% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.27. CB earns a higher WallStSmart Score of 75/100 (B).
CB
Strong Buy75
out of 100
Grade: B
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CB.
Margin of Safety
+42.2%
Fair Value
$639.72
Current Price
$379.98
$259.74 discount
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
Reasonable price relative to book value
Strong operational efficiency at 20.6%
Generating 3.9B in free cash flow
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
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 : UNH
The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : UNH
The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while UNH is a value play — different risk/reward profiles.
UNH carries more volatility with a beta of 0.65 — expect wider price swings.
CB is growing revenue faster at 10.2% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
CB scores higher overall (75/100 vs 54/100), backed by strong 18.5% margins and 10.2% revenue growth. UNH offers better value entry with a 42.2% margin of safety. 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.
UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
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