Chubb Ltd (CB)vsSafety Insurance Group Inc (SAFT)
CB
Chubb Ltd
$365.06
-1.78%
FINANCIAL SERVICES · Cap: $139.12B
SAFT
Safety Insurance Group Inc
$104.27
-0.09%
FINANCIAL SERVICES · Cap: $1.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 4715% more annual revenue ($61.94B vs $1.29B). CB leads profitability with a 18.1% profit margin vs 5.3%. SAFT appears more attractively valued with a PEG of 0.95. SAFT earns a higher WallStSmart Score of 62/100 (C+).
CB
Buy61
out of 100
Grade: C+
SAFT
Buy62
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
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 21.0% YoY
Areas to Watch
0.3% revenue growth
4.4% earnings growth
Expensive relative to growth rate
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
ROE of 7.4% — below average capital efficiency
5.3% margin — thin
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 : SAFT
The strongest argument for SAFT centers on Debt/Equity, PEG Ratio, Price/Book. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are Revenue Growth, EPS Growth, PEG Ratio.
Bear Case : SAFT
The primary concerns for SAFT are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
CB carries more volatility with a beta of 0.36 — expect wider price swings.
SAFT is growing revenue faster at 3.0% — sustainability is the question.
CB generates stronger free cash flow (6.1B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAFT scores higher overall (62/100 vs 61/100). 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.
Safety Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.
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