BRO vs CB

For growth investors, Brown & Brown, Inc.

(BRO) is the stronger pick with 26. 6% revenue growth year-over-year, versus 6. 5% for Chubb Limited (CB). Chubb Limited (CB) offers the better valuation at 12. 5x trailing P/E (11. 9x forward), making it the more compelling value choice. Analysts rate Chubb Limited (CB) a "Buy" — based on 43 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Chubb Limited (CB) is the cheapest at 12.

5x versus Brown & Brown, Inc. at 17. 9x. On forward P/E, Chubb Limited is actually cheaper at 11. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Chubb Limited wins at 0. 44x versus Brown & Brown, Inc. 's 0. 94x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Chubb Limited (CB) delivered a total return of +95.

9%, compared to +10. 3% for Brown & Brown, Inc. (BRO). Over 10 years, the gap is even starker: BRO returned +246. 9% versus CB's +189. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Chubb Limited (CB) is the lower-risk stock at -0.

01β versus Brown & Brown, Inc. 's 0. 07β — meaning BRO is approximately -1448% more volatile than CB relative to the S&P 500. On balance sheet safety, Chubb Limited (CB) carries a lower debt/equity ratio of 28% versus 63% for Brown & Brown, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Brown & Brown, Inc.

(BRO) is pulling ahead at 26. 6% versus 6. 5% for Chubb Limited (CB). On earnings-per-share growth, the picture is similar: Chubb Limited grew EPS 13. 3% year-over-year, compared to -8. 7% for Brown & Brown, Inc.. Over a 3-year CAGR, BRO leads at 18. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Brown & Brown, Inc.

(BRO) is the more profitable company, earning 17. 7% net margin versus 17. 2% for Chubb Limited — meaning it keeps 17. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BRO leads at 28. 5% versus 21. 8% for CB. At the gross margin level — before operating expenses — BRO leads at 87. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Chubb Limited (CB) is the more undervalued stock at a PEG of 0. 44x versus Brown & Brown, Inc. 's 0. 94x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Chubb Limited (CB) trades at 11. 9x forward P/E versus 12. 5x for Brown & Brown, Inc. — 0. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BRO: 56. 5% to $88. 50.

All stocks in this comparison pay dividends.

Chubb Limited (CB) offers the highest yield at 1. 2%, versus 1. 1% for Brown & Brown, Inc. (BRO).

For long-horizon retirement investors, Chubb Limited (CB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.

01), 1. 2% yield, +189. 4% 10Y return). Both have compounded well over 10 years (CB: +189. 4%, BRO: +246. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: BRO is a mid-cap high-growth stock; CB is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.