Chubb Ltd (CB)vsHCI Group Inc (HCI)
CB
Chubb Ltd
$333.37
-0.44%
FINANCIAL SERVICES · Cap: $129.32B
HCI
HCI Group Inc
$174.94
-1.10%
FINANCIAL SERVICES · Cap: $2.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 6401% more annual revenue ($61.90B vs $952.13M). HCI leads profitability with a 32.6% profit margin vs 18.1%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 78/100 (B+).
CB
Buy61
out of 100
Grade: C+
HCI
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 23.5%
Generating 3.7B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on P/E Ratio, Market Cap, Debt/Equity. Profitability is solid with margins at 18.1% and operating margin at 23.5%.
Bull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 45.4%. Revenue growth of 11.1% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Key Dynamics to Monitor
HCI carries more volatility with a beta of 1.02 — expect wider price swings.
HCI is growing revenue faster at 11.1% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HCI scores higher overall (78/100 vs 61/100), backed by strong 32.6% margins and 11.1% revenue growth. 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.
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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