WallStSmart

Chubb Ltd (CB)vsCNA Financial Corporation (CNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 303% more annual revenue ($61.90B vs $15.35B). CB leads profitability with a 18.1% profit margin vs 7.9%. CNA appears more attractively valued with a PEG of 0.92. CNA earns a higher WallStSmart Score of 64/100 (C+).

CB

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 5.0Quality: 4.5
Piotroski: 5/9Altman Z: 0.76

CNA

Buy

64

out of 100

Grade: C+

Growth: 4.7Profit: 5.0Value: 7.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB5 strengths · Avg: 8.2/10
Market CapQuality
$134.37B9/10

Large-cap with strong market position

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.5%8/10

Strong operational efficiency at 23.5%

Free Cash FlowQuality
$3.95B8/10

Generating 3.9B in free cash flow

CNA4 strengths · Avg: 9.3/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.928/10

Growing faster than its price suggests

Areas to Watch

CB3 concerns · Avg: 2.0/10
PEG RatioValuation
2.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-0.7%2/10

Earnings declined 0.7%

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

CNA3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.9%3/10

7.9% margin — thin

EPS GrowthGrowth
-22.2%2/10

Earnings declined 22.2%

Altman Z-ScoreHealth
0.212/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CB

The strongest argument for CB centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 23.5%.

Bull Case : CNA

The strongest argument for CNA centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 0.92 suggests the stock is reasonably priced for its growth.

Bear Case : CB

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

Bear Case : CNA

The primary concerns for CNA are Profit Margin, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

CB profiles as a mature stock while CNA is a value play — different risk/reward profiles.

CB carries more volatility with a beta of 0.39 — expect wider price swings.

CNA is growing revenue faster at 10.0% — sustainability is the question.

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

Bottom Line

CNA scores higher overall (64/100 vs 61/100). Both earn "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.

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.

CNA Financial Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

CNA Financial Corporation offers commercial property and casualty insurance products primarily in the United States.

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