Chubb Ltd (CB)vsProAssurance Corporation (PRA)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
PRA
ProAssurance Corporation
$24.75
+0.20%
FINANCIAL SERVICES · Cap: $1.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 5277% more annual revenue ($59.63B vs $1.11B). CB leads profitability with a 17.3% profit margin vs 4.6%. PRA appears more attractively valued with a PEG of 0.78. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
PRA
Buy65
out of 100
Grade: C+
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
+47.5%
Fair Value
$46.33
Current Price
$24.75
$21.58 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
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Strong operational efficiency at 20.3%
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
4.6% margin — thin
Revenue declined 4.1%
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 : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while PRA 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 65/100), backed by strong 17.3% margins. PRA offers better value entry with a 47.5% margin of safety. Both earn "Strong 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.
ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
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