Chubb Ltd (CB)vsWhite Mountains Insurance Group Ltd (WTM)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
WTM
White Mountains Insurance Group Ltd
$2,205.51
-0.29%
FINANCIAL SERVICES · Cap: $5.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 1496% more annual revenue ($59.63B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 17.3%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).
CB
Strong Buy69
out of 100
Grade: B-
WTM
Exceptional Buy82
out of 100
Grade: A-
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
+26.7%
Fair Value
$2924.48
Current Price
$2205.51
$718.97 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
Reasonable price relative to book value
Strong operational efficiency at 64.3%
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
3.5% revenue growth
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. PEG of 0.81 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : WTM
The primary concerns for WTM are Revenue Growth, Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while WTM is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.49 — expect wider price swings.
CB is growing revenue faster at 5.5% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (82/100 vs 69/100), backed by strong 29.6% margins. CB offers better value entry with a 73.1% margin of safety. Both earn "Exceptional 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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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