The Allstate Corporation (ALL) vs Chubb Limited (CB)

The Allstate Corporation and Chubb Limited are both Insurance Property & Casualty companies. Chubb Limited is the larger, with a market value of $136.1B against $60.6B — 2.2× the size. The Allstate Corporation trades at the lower P/E: 4.9× against 12.6×. Chubb Limited grew revenue faster over the last twelve months: 8.02% against 5.92%. The Allstate Corporation has the higher net margin (18.8% vs 18.1%) and the higher return on invested capital (25.9% vs 9.52%). Both pay a dividend; The Allstate Corporation yields more (1.71% vs 1.11%). Across the 21 metrics below, The Allstate Corporation leads on 15 and Chubb Limited on 6.

Valuation

Metric ALL CB Insurance Property & Casualty median
P/E 4.89 12.60 10.75
P/S 0.90 2.25 1.21
P/B 2.00 1.72 1.99
Price to free cash flow 5.18 9.06 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.45% 7.94% 9.08%
Free cash flow yield 19.30% 11.04% 12.11%

Profitability

Metric ALL CB Insurance Property & Casualty median
Gross margin 49.07% 31.02% 41.16%
Operating margin 23.82% 24.55% 15.09%
Net margin 18.80% 18.10% 11.51%
Free cash flow margin 17.46% 24.88% 17.46%
Return on equity 49.14% 14.41% 17.34%
Return on assets 10.96% 4.12% 3.74%
Return on invested capital 25.89% 9.52% 12.06%

Growth

Metric ALL CB Insurance Property & Casualty median
Revenue growth (TTM) 5.92% 8.02% 8.02%
EPS growth (last fiscal year) 124.01% 13.13% 39.61%
Revenue growth, 5-year CAGR 10.06% 10.54% 9.23%
Net income growth, 5-year CAGR 13.23% 23.89% 10.09%

Health

Metric ALL CB Insurance Property & Casualty median
Debt to equity 0.22 0.27 0.25
Current ratio 0.29 0.25 0.42
Net debt to EBITDA 0.55 1.31 0.08

Dividend

Metric ALL CB Insurance Property & Casualty median
Dividend yield 1.71% 1.11% 1.50%
Payout ratio 0.08 0.14 0.14

Size

Metric ALL CB Insurance Property & Casualty median
Market cap 60.58b 136.11b 2.67b

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