Chubb Ltd (CB)vsUnited Fire Group Inc (UFCS)
CB
Chubb Ltd
$323.21
-0.74%
FINANCIAL SERVICES · Cap: $126.41B
UFCS
United Fire Group Inc
$36.85
-1.10%
FINANCIAL SERVICES · Cap: $950.95M
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 4201% more annual revenue ($59.63B vs $1.39B). CB leads profitability with a 17.3% profit margin vs 8.5%. UFCS appears more attractively valued with a PEG of 1.41. CB earns a higher WallStSmart Score of 69/100 (B-).
CB
Strong Buy69
out of 100
Grade: B-
UFCS
Strong Buy68
out of 100
Grade: B-
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
+77.2%
Fair Value
$173.82
Current Price
$36.85
$136.97 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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 20.0% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : UFCS
The primary concerns for UFCS are Market Cap.
Key Dynamics to Monitor
CB profiles as a mature stock while UFCS is a value play — different risk/reward profiles.
CB carries more volatility with a beta of 0.49 — expect wider price swings.
UFCS is growing revenue faster at 9.8% — 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 68/100), backed by strong 17.3% margins. UFCS offers better value entry with a 77.2% 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.
United Fire Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?