WallStSmart

Chubb Ltd (CB)vsLoews Corp (L)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 235% more annual revenue ($62.02B vs $18.51B). CB leads profitability with a 18.0% profit margin vs 8.8%. L appears more attractively valued with a PEG of 1.32. CB earns a higher WallStSmart Score of 59/100 (C).

CB

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 7.0Value: 5.0Quality: 4.5
Piotroski: 5/9Altman Z: 0.76

L

Buy

54

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 6/9Altman Z: 0.48

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB5 strengths · Avg: 8.2/10
Market CapQuality
$133.13B9/10

Large-cap with strong market position

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.4%8/10

Strong operational efficiency at 23.4%

Free Cash FlowQuality
$3.95B8/10

Generating 3.9B in free cash flow

L2 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Areas to Watch

CB3 concerns · Avg: 2.0/10
PEG RatioValuation
3.122/10

Expensive relative to growth rate

EPS GrowthGrowth
-0.8%2/10

Earnings declined 0.8%

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

L4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
1.4%4/10

1.4% revenue growth

EPS GrowthGrowth
-6.3%2/10

Earnings declined 6.3%

Free Cash FlowQuality
$-132.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.482/10

Distress zone — elevated risk

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 18.0% and operating margin at 23.4%.

Bull Case : L

The strongest argument for L centers on Price/Book, P/E Ratio. PEG of 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : CB

The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : L

The primary concerns for L are Revenue Growth, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

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

L carries more volatility with a beta of 0.52 — expect wider price swings.

CB is growing revenue faster at 6.0% — sustainability is the question.

CB generates stronger free cash flow (3.9B), providing more financial flexibility.

Bottom Line

CB scores higher overall (59/100 vs 54/100), backed by strong 18.0% margins. Both earn "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.

Loews Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Loews Corporation is an American conglomerate headquartered in New York City. The company's majority-stake holdings include CNA Financial Corporation, Diamond Offshore Drilling, Boardwalk Pipeline Partners, Loews Hotels and Altium Packaging.

Want to dig deeper into these stocks?