Chubb Ltd (CB)vsRoot Inc (ROOT)
CB
Chubb Ltd
$322.58
+1.17%
FINANCIAL SERVICES · Cap: $125.86B
ROOT
Root Inc
$45.59
+1.90%
FINANCIAL SERVICES · Cap: $709.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 3830% more annual revenue ($59.63B vs $1.52B). CB leads profitability with a 17.3% profit margin vs 2.5%. CB trades at a lower P/E of 12.6x. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
ROOT
Hold46
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.2%
Fair Value
$1201.82
Current Price
$322.58
$879.24 discount
Margin of Safety
-265.9%
Fair Value
$16.05
Current Price
$45.59
$29.54 premium
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
Revenue surging 21.5% year-over-year
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
2.5% margin — thin
Operating margin of 2.6%
Earnings declined 76.4%
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 : ROOT
The strongest argument for ROOT centers on Price/Book, Revenue Growth. Revenue growth of 21.5% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Operating Margin. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
CB profiles as a mature stock while ROOT is a growth play — different risk/reward profiles.
ROOT carries more volatility with a beta of 2.90 — expect wider price swings.
ROOT is growing revenue faster at 21.5% — 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 46/100), backed by strong 17.3% margins. Both earn "Strong 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.
Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
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