Chubb Ltd (CB)vsHeritage Insurance Hldgs Inc (HRTG)
CB
Chubb Ltd
$338.25
+0.18%
FINANCIAL SERVICES · Cap: $130.50B
HRTG
Heritage Insurance Hldgs Inc
$34.58
+0.14%
FINANCIAL SERVICES · Cap: $1.02B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 7142% more annual revenue ($61.90B vs $854.63M). HRTG leads profitability with a 25.2% profit margin vs 18.1%. HRTG trades at a lower P/E of 4.8x. HRTG earns a higher WallStSmart Score of 72/100 (B).
CB
Buy61
out of 100
Grade: C+
HRTG
Strong Buy72
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 38 in profit
Strong operational efficiency at 39.2%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated 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 : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.2%.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while HRTG is a value play — different risk/reward profiles.
HRTG carries more volatility with a beta of 0.91 — expect wider price swings.
CB is growing revenue faster at 6.1% — sustainability is the question.
CB generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
HRTG scores higher overall (72/100 vs 61/100), backed by strong 25.2% margins. 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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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