WallStSmart

Airbnb Inc (ABNB)vsChubb Ltd (CB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 398% more annual revenue ($60.99B vs $12.24B). ABNB leads profitability with a 20.5% profit margin vs 18.5%. ABNB appears more attractively valued with a PEG of 1.31. CB earns a higher WallStSmart Score of 75/100 (B).

ABNB

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 7.5Value: 6.7Quality: 4.8
Piotroski: 4/9Altman Z: 1.49

CB

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 5.3
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ABNBUndervalued (+41.6%)

Margin of Safety

+41.6%

Fair Value

$240.68

Current Price

$141.49

$99.19 discount

UndervaluedFair: $240.68Overvalued

Intrinsic value data unavailable for CB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABNB3 strengths · Avg: 9.3/10
Return on EquityProfitability
30.2%10/10

Every $100 of equity generates 30 in profit

Market CapQuality
$83.51B9/10

Large-cap with strong market position

Profit MarginProfitability
20.5%9/10

Keeps 21 of every $100 in revenue as profit

CB6 strengths · Avg: 8.8/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
78.7%10/10

Earnings expanding 78.7% YoY

Market CapQuality
$123.98B9/10

Large-cap with strong market position

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.6%8/10

Strong operational efficiency at 20.6%

Free Cash FlowQuality
$3.95B8/10

Generating 3.9B in free cash flow

Areas to Watch

ABNB4 concerns · Avg: 3.0/10
P/E RatioValuation
34.7x4/10

Premium valuation, high expectations priced in

Price/BookValuation
10.4x4/10

Trading at 10.4x book value

EPS GrowthGrowth
-23.7%2/10

Earnings declined 23.7%

Altman Z-ScoreHealth
1.492/10

Distress zone — elevated risk

CB1 concerns · Avg: 2.0/10
PEG RatioValuation
2.842/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : ABNB

The strongest argument for ABNB centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 20.5% and operating margin at 9.7%. Revenue growth of 12.0% demonstrates continued momentum.

Bull 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.

Bear Case : ABNB

The primary concerns for ABNB are P/E Ratio, Price/Book, EPS Growth.

Bear Case : CB

The primary concerns for CB are PEG Ratio.

Key Dynamics to Monitor

ABNB carries more volatility with a beta of 1.21 — expect wider price swings.

ABNB is growing revenue faster at 12.0% — sustainability is the question.

CB generates stronger free cash flow (3.9B), providing more financial flexibility.

Monitor TRAVEL SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CB scores higher overall (75/100 vs 58/100), backed by strong 18.5% margins and 10.2% revenue growth. ABNB offers better value entry with a 41.6% 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.

Airbnb Inc

CONSUMER CYCLICAL · TRAVEL SERVICES · USA

Airbnb, Inc. is an American company that operates an online marketplace for lodging, primarily homestays for vacation rentals, and tourism activities, based in San Francisco, California.

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.

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