WallStSmart

Chubb Ltd (CB)vsInfosys Ltd ADR (INFY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 200% more annual revenue ($59.63B vs $19.85B). CB leads profitability with a 17.3% profit margin vs 16.2%. INFY appears more attractively valued with a PEG of 2.22. CB earns a higher WallStSmart Score of 69/100 (B-).

CB

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 7.3Quality: 5.3
Piotroski: 4/9

INFY

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 9.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBUndervalued (+73.1%)

Margin of Safety

+73.1%

Fair Value

$1202.76

Current Price

$323.21

$879.55 discount

UndervaluedFair: $1202.76Overvalued
INFYSignificantly Overvalued (-200.8%)

Margin of Safety

-200.8%

Fair Value

$5.24

Current Price

$13.17

$7.93 premium

UndervaluedFair: $5.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.2/10
Market CapQuality
$126.41B9/10

Large-cap with strong market position

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.2%8/10

Strong operational efficiency at 24.2%

EPS GrowthGrowth
27.9%8/10

Earnings expanding 27.9% YoY

Free Cash FlowQuality
$4.76B8/10

Generating 4.8B in free cash flow

INFY3 strengths · Avg: 9.0/10
Return on EquityProfitability
32.7%10/10

Every $100 of equity generates 33 in profit

Market CapQuality
$53.86B9/10

Large-cap with strong market position

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

Areas to Watch

CB1 concerns · Avg: 2.0/10
PEG RatioValuation
2.862/10

Expensive relative to growth rate

INFY3 concerns · Avg: 3.3/10
PEG RatioValuation
2.224/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

EPS GrowthGrowth
-5.3%2/10

Earnings declined 5.3%

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 17.3% and operating margin at 24.2%.

Bull Case : INFY

The strongest argument for INFY centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 18.0%.

Bear Case : CB

The primary concerns for CB are PEG Ratio.

Bear Case : INFY

The primary concerns for INFY are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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

CB carries more volatility with a beta of 0.49 — 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

CB scores higher overall (69/100 vs 48/100), backed by strong 17.3% margins. Both earn "Strong Buy" and "Hold" 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.

Infosys Ltd ADR

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Infosys Limited offers next generation digital consulting, technology, outsourcing and services in North America, Europe, India and internationally. The company is headquartered in Bengaluru, India.

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