Chubb Ltd (CB)vsRLI Corp (RLI)
CB
Chubb Ltd
$365.06
-1.78%
FINANCIAL SERVICES · Cap: $139.12B
RLI
RLI Corp
$68.35
-1.97%
FINANCIAL SERVICES · Cap: $5.93B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3089% more annual revenue ($61.94B vs $1.94B). RLI leads profitability with a 20.3% profit margin vs 18.1%. RLI appears more attractively valued with a PEG of 1.73. CB earns a higher WallStSmart Score of 61/100 (C+).
CB
Buy61
out of 100
Grade: C+
RLI
Buy58
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.5%
Generating 6.1B in free cash flow
Every $100 of equity generates 22 in profit
Keeps 20 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 22.5%
Areas to Watch
0.3% revenue growth
4.4% earnings growth
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 6.3%
Earnings declined 34.8%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on Market Cap, Debt/Equity, P/E Ratio. Profitability is solid with margins at 18.1% and operating margin at 20.5%.
Bull Case : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.3% and operating margin at 22.5%.
Bear Case : CB
The primary concerns for CB are Revenue Growth, EPS Growth, PEG Ratio.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CB profiles as a value stock while RLI is a declining play — different risk/reward profiles.
CB carries more volatility with a beta of 0.36 — expect wider price swings.
CB is growing revenue faster at 0.3% — sustainability is the question.
CB generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
CB scores higher overall (61/100 vs 58/100), backed by strong 18.1% 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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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