American Financial Group Inc (AFG)vsChubb Ltd (CB)
AFG
American Financial Group Inc
$126.85
-0.69%
FINANCIAL SERVICES · Cap: $10.64B
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 651% more annual revenue ($59.63B vs $7.94B). CB leads profitability with a 17.3% profit margin vs 10.6%. AFG appears more attractively valued with a PEG of 2.30. CB earns a higher WallStSmart Score of 69/100 (B-).
AFG
Buy61
out of 100
Grade: C+
CB
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.4%
Fair Value
$362.07
Current Price
$126.85
$235.22 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
Reasonable price relative to book value
Strong operational efficiency at 21.3%
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
Weak financial health signals
Revenue declined 3.4%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AFG
The strongest argument for AFG centers on P/E Ratio, Price/Book, Operating Margin.
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 : AFG
The primary concerns for AFG are PEG Ratio, Piotroski F-Score, Revenue Growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Key Dynamics to Monitor
AFG profiles as a declining stock while CB is a mature play — different risk/reward profiles.
AFG carries more volatility with a beta of 0.67 — 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 61/100), backed by strong 17.3% margins. AFG offers better value entry with a 64.4% 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 Financial Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Financial Group, Inc., an insurance holding company, offers property and casualty insurance products in the United States. The company is headquartered in Cincinnati, Ohio.
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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