Chubb Limited (CB) vs Loews Corporation (L)

Chubb Limited and Loews Corporation are both Insurance Property & Casualty companies. Chubb Limited is the larger, with a market value of $142.0B against $22.5B — 6.3× the size. Chubb Limited trades at the lower P/E: 12.9× against 15.2×. Chubb Limited grew revenue faster over the last twelve months: 5.70% against 2.82%. Chubb Limited has the higher net margin (18.2% vs 7.93%) and the higher return on invested capital (9.43% vs 5.56%). Both pay a dividend; Chubb Limited yields more (1.07% vs 0.23%). Across the 21 metrics below, Chubb Limited leads on 16 and Loews Corporation on 5.

Valuation

Metric CB L Insurance Property & Casualty median
P/E 12.90 15.16 12.17
P/S 2.32 1.21 1.26
P/B 1.82 1.18 1.85
Price to free cash flow 8.04 13.38 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.75% 6.60% 8.20%
Free cash flow yield 12.44% 7.48% 11.86%

Profitability

Metric CB L Insurance Property & Casualty median
Gross margin 29.69% 52.93% 37.39%
Operating margin 23.77% 13.06% 14.67%
Net margin 18.15% 7.93% 10.16%
Free cash flow margin 28.79% 9.01% 18.60%
Return on equity 14.37% 7.76% 16.59%
Return on assets 4.06% 1.74% 3.38%
Return on invested capital 9.43% 5.56% 9.43%

Growth

Metric CB L Insurance Property & Casualty median
Revenue growth (TTM) 5.70% 2.82% 5.70%
EPS growth (last fiscal year) 13.13% 24.34% 39.61%
Revenue growth, 5-year CAGR 10.54% 7.96% 9.23%
Net income growth, 5-year CAGR 23.89% 0.00% 10.09%

Health

Metric CB L Insurance Property & Casualty median
Debt to equity 0.28 0.47 0.25
Current ratio 0.24 0.25 0.49
Net debt to EBITDA 1.31 2.88 0.08

Dividend

Metric CB L Insurance Property & Casualty median
Dividend yield 1.07% 0.23% 1.56%
Payout ratio 0.14 0.03 0.15

Size

Metric CB L Insurance Property & Casualty median
Market cap 141.99b 22.47b 2.64b

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