Chubb Ltd (CB)vsUniversal Insurance Holdings Inc (UVE)
CB
Chubb Ltd
$326.27
-0.36%
FINANCIAL SERVICES · Cap: $121.12B
UVE
Universal Insurance Holdings Inc
$37.33
+5.21%
FINANCIAL SERVICES · Cap: $1.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3706% more annual revenue ($60.99B vs $1.60B). CB leads profitability with a 18.5% profit margin vs 12.2%. UVE trades at a lower P/E of 5.6x. CB earns a higher WallStSmart Score of 77/100 (B+).
CB
Strong Buy77
out of 100
Grade: B+
UVE
Strong Buy66
out of 100
Grade: B-
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%
Attractively priced relative to earnings
Every $100 of equity generates 33 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.6% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 0.3%
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 : 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, Altman Z-Score.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while UVE is a declining play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.75 — expect wider price swings.
CB is growing revenue faster at 10.2% — sustainability is the question.
CB generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
CB scores higher overall (77/100 vs 66/100), backed by strong 18.5% margins and 10.2% revenue growth. 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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