Chubb Ltd (CB)vsNI Holdings Inc (NODK)
CB
Chubb Ltd
$341.86
+1.07%
FINANCIAL SERVICES · Cap: $130.50B
NODK
NI Holdings Inc
$15.05
-0.13%
FINANCIAL SERVICES · Cap: $312.80M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 23048% more annual revenue ($61.90B vs $267.39M). CB leads profitability with a 18.1% profit margin vs 2.9%. CB trades at a lower P/E of 12.0x. CB earns a higher WallStSmart Score of 61/100 (C+).
CB
Buy61
out of 100
Grade: C+
NODK
Hold41
out of 100
Grade: D
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
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.7%
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
2.9% margin — thin
Operating margin of 0.3%
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 : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Profit Margin. A P/E of 41.4x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while NODK is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.38 — 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
CB scores higher overall (61/100 vs 41/100), backed by strong 18.1% margins. Both earn "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.
NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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