American Coastal Insurance Corp (ACIC)vsChubb Ltd (CB)
ACIC
American Coastal Insurance Corp
$11.41
+0.97%
FINANCIAL SERVICES · Cap: $539.34M
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 17675% more annual revenue ($59.63B vs $335.44M). ACIC leads profitability with a 31.9% profit margin vs 17.3%. ACIC appears more attractively valued with a PEG of 2.37. CB earns a higher WallStSmart Score of 69/100 (B-).
ACIC
Buy54
out of 100
Grade: C-
CB
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.4%
Fair Value
$14.62
Current Price
$11.41
$3.21 discount
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 32 of every $100 in revenue as profit
Reasonable price relative to book value
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
Areas to Watch
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
Revenue declined 23.5%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : ACIC
The strongest argument for ACIC centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at -10.0%.
Bull 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%.
Bear Case : ACIC
The primary concerns for ACIC are PEG Ratio, EPS Growth, Market Cap.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Key Dynamics to Monitor
ACIC profiles as a declining stock while CB is a mature 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
CB scores higher overall (69/100 vs 54/100), backed by strong 17.3% margins. ACIC offers better value entry with a 24.4% 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.
American Coastal Insurance Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Atlas Crest Investment Corp. The company is headquartered in New York, New York.
Visit Website →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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