Chubb Limited (CB) vs The Travelers Companies, Inc. (TRV)

Chubb Limited and The Travelers Companies, Inc. are both Insurance Property & Casualty companies. Chubb Limited is the larger, with a market value of $142.0B against $82.6B — 1.7× the size. The Travelers Companies, Inc. trades at the lower P/E: 10.4× against 12.9×. Chubb Limited grew revenue faster over the last twelve months: 5.70% against 1.07%. Chubb Limited has the higher net margin (18.2% vs 16.9%) and the lower return on invested capital (9.43% vs 17.8%). Both pay a dividend; The Travelers Companies, Inc. yields more (1.17% vs 1.07%). Across the 21 metrics below, The Travelers Companies, Inc. leads on 13 and Chubb Limited on 8.

Valuation

Metric CB TRV Insurance Property & Casualty median
P/E 12.90 10.38 12.17
P/S 2.32 1.70 1.26
P/B 1.82 2.87 1.85
Price to free cash flow 8.04 7.82 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.75% 9.63% 8.20%
Free cash flow yield 12.44% 12.78% 11.86%

Profitability

Metric CB TRV Insurance Property & Casualty median
Gross margin 29.69% 49.67% 37.39%
Operating margin 23.77% 22.12% 14.67%
Net margin 18.15% 16.91% 10.16%
Free cash flow margin 28.79% 21.74% 18.60%
Return on equity 14.37% 27.30% 16.59%
Return on assets 4.06% 5.79% 3.38%
Return on invested capital 9.43% 17.78% 9.43%

Growth

Metric CB TRV Insurance Property & Casualty median
Revenue growth (TTM) 5.70% 1.07% 5.70%
EPS growth (last fiscal year) 13.13% 27.76% 39.61%
Revenue growth, 5-year CAGR 10.54% 8.83% 9.23%
Net income growth, 5-year CAGR 23.89% 18.44% 10.09%

Health

Metric CB TRV Insurance Property & Casualty median
Debt to equity 0.28 0.34 0.25
Current ratio 0.24 0.27 0.49
Net debt to EBITDA 1.31 0.52 0.08

Dividend

Metric CB TRV Insurance Property & Casualty median
Dividend yield 1.07% 1.17% 1.56%
Payout ratio 0.14 0.12 0.15

Size

Metric CB TRV Insurance Property & Casualty median
Market cap 141.99b 82.57b 2.64b

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