Chubb Ltd (CB)vsHeritage Insurance Hldgs Inc (HRTG)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
HRTG
Heritage Insurance Hldgs Inc
$26.41
-0.90%
FINANCIAL SERVICES · Cap: $792.88M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 6937% more annual revenue ($59.63B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 17.3%. HRTG trades at a lower P/E of 4.1x. HRTG earns a higher WallStSmart Score of 74/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
HRTG
Strong Buy74
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
+91.4%
Fair Value
$295.78
Current Price
$26.41
$269.37 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 49 in profit
Strong operational efficiency at 41.6%
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
2.4% revenue growth
2.3% earnings growth
Smaller company, higher risk/reward
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 : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, EPS Growth, Market Cap.
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 0.93 — expect wider price swings.
CB is growing revenue faster at 5.5% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
HRTG scores higher overall (74/100 vs 69/100), backed by strong 23.1% margins. 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.
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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