WallStSmart

American Integrity Insurance Group, Inc. (AII)vsChubb Ltd (CB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 20537% more annual revenue ($60.99B vs $295.53M). AII leads profitability with a 27.6% profit margin vs 18.5%. AII trades at a lower P/E of 3.4x. CB earns a higher WallStSmart Score of 77/100 (B+).

AII

Strong Buy

70

out of 100

Grade: B

Growth: 6.0Profit: 8.5Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 1.27

CB

Strong Buy

77

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 5.7Quality: 5.8
Piotroski: 4/9Altman Z: 0.76

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AII6 strengths · Avg: 9.7/10
P/E RatioValuation
3.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Return on EquityProfitability
24.3%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

CB6 strengths · Avg: 9.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
78.7%10/10

Earnings expanding 78.7% YoY

Market CapQuality
$121.12B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.6%8/10

Strong operational efficiency at 20.6%

Areas to Watch

AII3 concerns · Avg: 2.3/10
Market CapQuality
$325.21M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-63.4%2/10

Earnings declined 63.4%

Altman Z-ScoreHealth
1.272/10

Distress zone — elevated risk

CB2 concerns · Avg: 2.0/10
PEG RatioValuation
2.732/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AII

The strongest argument for AII centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 30.0%. Revenue growth of 26.5% 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 : AII

The primary concerns for AII are Market Cap, EPS Growth, Altman Z-Score.

Bear Case : CB

The primary concerns for CB are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

AII profiles as a growth stock while CB is a mature play — different risk/reward profiles.

AII is growing revenue faster at 26.5% — sustainability is the question.

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

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CB scores higher overall (77/100 vs 70/100), backed by strong 18.5% margins and 10.2% revenue growth. Both earn "Strong 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.

American Integrity Insurance Group, Inc.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

American Integrity Insurance Group, Inc. (AII) stands out as a premier provider in the homeowners' and property insurance sector, with a strategic emphasis on the Florida market. Renowned for its innovative and customer-centric approach, AII leverages advanced technology and data analytics to refine claims processing and underwriting, significantly boosting customer satisfaction. With a solid financial foundation and a nimble response to market dynamics, AII is poised to capitalize on the rising demand for reliable insurance solutions, ensuring a trajectory of sustained growth and an expanding footprint in the competitive insurance landscape.

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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