Chubb Ltd (CB)vsUniversal Insurance Holdings Inc (UVE)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
UVE
Universal Insurance Holdings Inc
$34.19
-1.95%
FINANCIAL SERVICES · Cap: $978.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3617% more annual revenue ($59.63B vs $1.60B). CB leads profitability with a 17.3% profit margin vs 11.4%. UVE trades at a lower P/E of 5.4x. UVE earns a higher WallStSmart Score of 72/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
UVE
Strong Buy72
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
+89.4%
Fair Value
$301.86
Current Price
$34.19
$267.67 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
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.1%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : UVE
The primary concerns for UVE are Altman Z-Score, Market Cap.
Key Dynamics to Monitor
CB profiles as a mature stock while UVE is a value play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.70 — expect wider price swings.
UVE is growing revenue faster at 6.0% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
UVE scores higher overall (72/100 vs 69/100). 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.
Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
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