Chubb Ltd (CB)vsExxon Mobil Corp (XOM)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
XOM
Exxon Mobil Corp
$163.26
-1.28%
ENERGY · Cap: $665.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Exxon Mobil Corp generates 443% more annual revenue ($323.90B vs $59.63B). CB leads profitability with a 17.3% profit margin vs 8.9%. XOM appears more attractively valued with a PEG of 2.02. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
XOM
Hold44
out of 100
Grade: D
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
-262.4%
Fair Value
$45.63
Current Price
$163.26
$117.63 premium
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
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 5.2B in free cash flow
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Weak financial health signals
Revenue declined 1.3%
Earnings declined 11.0%
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 : XOM
The strongest argument for XOM centers on Market Cap, Altman Z-Score, Debt/Equity.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : XOM
The primary concerns for XOM are PEG Ratio, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
CB profiles as a mature stock while XOM 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.
XOM generates stronger free cash flow (5.2B), providing more financial flexibility.
Bottom Line
CB scores higher overall (69/100 vs 44/100), backed by strong 17.3% margins. Both earn "Strong Buy" and "Hold" 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.
Exxon Mobil Corp
ENERGY · OIL & GAS INTEGRATED · USA
Exxon Mobil Corporation, stylized as ExxonMobil, is an American multinational oil and gas corporation headquartered in Irving, Texas. It is the largest direct descendant of John D. Rockefeller's Standard Oil, and was formed on November 30, 1999 by the merger of Exxon (formerly the Standard Oil Company of New Jersey) and Mobil (formerly the Standard Oil Company of New York). ExxonMobil's primary brands are Exxon, Mobil, Esso, and ExxonMobil Chemical. ExxonMobil is incorporated in New Jersey.
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