WallStSmart

Chubb Ltd (CB)vsSkyward Specialty Insurance Group, Inc. Common Stock (SKWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chubb Ltd generates 4109% more annual revenue ($59.63B vs $1.42B). CB leads profitability with a 17.3% profit margin vs 12.0%. SKWD appears more attractively valued with a PEG of 0.73. SKWD earns a higher WallStSmart Score of 78/100 (B+).

CB

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 7.3Quality: 5.3
Piotroski: 4/9

SKWD

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 10.0Quality: 6.3
Piotroski: 5/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBUndervalued (+73.1%)

Margin of Safety

+73.1%

Fair Value

$1202.76

Current Price

$323.21

$879.55 discount

UndervaluedFair: $1202.76Overvalued
SKWDUndervalued (+76.5%)

Margin of Safety

+76.5%

Fair Value

$193.75

Current Price

$43.15

$150.60 discount

UndervaluedFair: $193.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CB6 strengths · Avg: 8.2/10
Market CapQuality
$126.41B9/10

Large-cap with strong market position

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.2%8/10

Strong operational efficiency at 24.2%

EPS GrowthGrowth
27.9%8/10

Earnings expanding 27.9% YoY

Free Cash FlowQuality
$4.76B8/10

Generating 4.8B in free cash flow

SKWD6 strengths · Avg: 8.8/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
203.4%10/10

Earnings expanding 203.4% YoY

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.738/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
26.7%8/10

Revenue surging 26.7% year-over-year

Areas to Watch

CB1 concerns · Avg: 2.0/10
PEG RatioValuation
2.862/10

Expensive relative to growth rate

SKWD2 concerns · Avg: 2.5/10
Market CapQuality
$1.92B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : SKWD

The strongest argument for SKWD centers on P/E Ratio, EPS Growth, Debt/Equity. Revenue growth of 26.7% demonstrates continued momentum. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bear Case : CB

The primary concerns for CB are PEG Ratio.

Bear Case : SKWD

The primary concerns for SKWD are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

CB profiles as a mature stock while SKWD is a growth play — different risk/reward profiles.

SKWD carries more volatility with a beta of 0.52 — expect wider price swings.

SKWD is growing revenue faster at 26.7% — sustainability is the question.

CB generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

SKWD scores higher overall (78/100 vs 69/100) and 26.7% 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.

Skyward Specialty Insurance Group, Inc. Common Stock

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company is headquartered in Houston, Texas.

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