Chubb Ltd (CB)vsOld Republic International Corp (ORI)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
ORI
Old Republic International Corp
$39.36
+0.41%
FINANCIAL SERVICES · Cap: $9.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 553% more annual revenue ($59.63B vs $9.14B). CB leads profitability with a 17.3% profit margin vs 10.2%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 74/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
ORI
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
+75.8%
Fair Value
$175.03
Current Price
$39.36
$135.67 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
Earnings expanding 95.7% YoY
Reasonable price relative to book value
19.3% revenue growth
Areas to Watch
Expensive relative to growth rate
No major concerns identified
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 : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 19.3% demonstrates continued momentum. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : ORI
No major red flags identified for ORI, but monitor valuation.
Key Dynamics to Monitor
CB profiles as a mature stock while ORI is a growth play — different risk/reward profiles.
ORI carries more volatility with a beta of 0.75 — expect wider price swings.
ORI is growing revenue faster at 19.3% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
ORI scores higher overall (74/100 vs 69/100) and 19.3% revenue growth. 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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