Chubb Ltd (CB)vsHCI Group Inc (HCI)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
HCI
HCI Group Inc
$153.85
-0.76%
FINANCIAL SERVICES · Cap: $2.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 6518% more annual revenue ($59.63B vs $900.95M). HCI leads profitability with a 33.2% profit margin vs 17.3%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 79/100 (B+).
CB
Strong Buy69
out of 100
Grade: B-
HCI
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Margin of Safety
+84.5%
Fair Value
$1063.30
Current Price
$153.85
$909.45 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Keeps 33 of every $100 in revenue as profit
Revenue surging 48.0% year-over-year
Earnings expanding 1612.0% YoY
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Operating margin of -3.6%
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.2% and operating margin at -3.6%. Revenue growth of 48.0% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : HCI
The primary concerns for HCI are Market Cap, Operating Margin.
Key Dynamics to Monitor
CB profiles as a mature stock while HCI is a growth play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.11 — expect wider price swings.
HCI is growing revenue faster at 48.0% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
HCI scores higher overall (79/100 vs 69/100), backed by strong 33.2% margins and 48.0% revenue growth. CB offers better value entry with a 73.1% margin of safety. 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.
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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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