CB
Chubb Limited
Insurance - Property & Casualty
Market Cap$125.88B
5Y Perf.+164.5%
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Stock Comparison
CB vs AIG
Revenue, margins, valuation, and 5-year total return — side by side.
AIG
American International Group, Inc.
Insurance - Diversified
Market Cap$42.10B
5Y Perf.+161.0%
CB vs AIG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CB | AIG |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Diversified |
| Market Cap | $125.88B | $42.10B |
| Revenue (TTM) | $59.77B | $26.65B |
| Net Income (TTM) | $10.31B | $3.16B |
| Gross Margin | 29.4% | 38.5% |
| Operating Margin | 21.8% | 15.0% |
| Forward P/E | 11.9x | 10.0x |
| Total Debt | $22.19B | $9.19B |
| Cash & Equiv. | $2.47B | $1.27B |
CB vs AIG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CB
AIG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Chubb Limited (CB) | 100 | 264.5 | +164.5% |
| American Internatio… (AIG) | 100 | 261.0 | +161.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CB vs AIG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. American International Group, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
CB
Chubb Limited
The Insurance Pick
CB carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 6.5%, EPS growth 13.3%, 3Y rev CAGR 11.6%
- 189.6% 10Y total return vs AIG's 68.3%
- 6.5% revenue growth vs AIG's -1.8%
Best for: growth exposure and long-term compounding
AIG
American International Group, Inc.
The Insurance Pick
AIG is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 3 yrs, beta 0.40, yield 2.2%
- Lower volatility, beta 0.40, Low D/E 22.3%, current ratio 0.85x
- Beta 0.40, yield 2.2%, current ratio 0.85x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CB | 6.5% revenue growth vs AIG's -1.8% |
| Value | AIG | Lower P/E (10.0x vs 11.9x) |
| Quality / Margins | CB | Combined ratio 0.8 vs AIG's 0.9 (lower = better underwriting) |
| Stability / Safety | AIG | Lower D/E ratio (22.3% vs 27.8%) |
| Dividends | AIG | 2.2% yield, 3-year raise streak, vs CB's 1.2% |
| Momentum (1Y) | CB | +13.4% vs AIG's -3.3% |
| Efficiency (ROA) | CB | 4.0% ROA vs AIG's 1.9%, ROIC 10.8% vs 5.9% |
CB vs AIG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
CB vs AIG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCBLAGGINGAIG
AIGAmerican Internationa…
1leads
CBChubb Limited
4leads
6 Total Categories
CATEGORYLEADERvs AIGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CB4/6
Valuation MetricsMultiples, price ratios, and targets
AIG4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CB6/6
Risk & VolatilityBeta, volatility, and downside exposure
CB2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CB leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CB is the larger business by revenue, generating $59.8B annually — 2.2x AIG's $26.6B. CB is the more profitable business, keeping 17.2% of every revenue dollar as net income compared to AIG's 11.9%. On growth, CB holds the edge at +7.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| RevenueTrailing 12 months | $59.8B | $26.6B |
| EBITDAEarnings before interest/tax | $13.3B | $6.6B |
| Net IncomeAfter-tax profit | $10.3B | $3.2B |
| Free Cash FlowCash after capex | $13.5B | $3.5B |
| Gross MarginGross profit ÷ Revenue | +29.4% | +38.5% |
| Operating MarginEBIT ÷ Revenue | +21.8% | +15.0% |
| Net MarginNet income ÷ Revenue | +17.2% | +11.9% |
| FCF MarginFCF ÷ Revenue | +22.6% | +13.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.9% | -1.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +28.0% | +81.9% |
CB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
AIG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 12.5x trailing earnings, CB trades at a 13% valuation discount to AIG's 14.5x P/E. On an enterprise value basis, AIG's 6.8x EV/EBITDA is more attractive than CB's 10.9x.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| Market CapShares × price | $125.9B | $42.1B |
| Enterprise ValueMkt cap + debt − cash | $145.6B | $50.0B |
| Trailing P/EPrice ÷ TTM EPS | 12.54x | 14.45x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.91x | 10.02x |
| PEG RatioP/E ÷ EPS growth rate | 0.46x | — |
| EV / EBITDAEnterprise value multiple | 10.91x | 6.82x |
| Price / SalesMarket cap ÷ Revenue | 2.11x | 1.57x |
| Price / BookPrice ÷ Book value/share | 1.60x | 1.09x |
| Price / FCFMarket cap ÷ FCF | 8.66x | 12.70x |
AIG leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CB delivers a 13.6% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $8 for AIG. AIG carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to CB's 0.28x. On the Piotroski fundamental quality scale (0–9), CB scores 7/9 vs AIG's 6/9, reflecting strong financial health.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| ROE (TTM)Return on equity | +13.6% | +7.7% |
| ROA (TTM)Return on assets | +4.0% | +1.9% |
| ROICReturn on invested capital | +10.8% | +5.9% |
| ROCEReturn on capital employed | +5.3% | +6.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.28x | 0.22x |
| Net DebtTotal debt minus cash | $19.7B | $7.9B |
| Cash & Equiv.Liquid assets | $2.5B | $1.3B |
| Total DebtShort + long-term debt | $22.2B | $9.2B |
| Interest CoverageEBIT ÷ Interest expense | 18.07x | 10.67x |
CB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CB five years ago would be worth $19,847 today (with dividends reinvested), compared to $17,571 for AIG. Over the past 12 months, CB leads with a +13.4% total return vs AIG's -3.3%. The 3-year compound annual growth rate (CAGR) favors CB at 18.8% vs AIG's 15.7% — a key indicator of consistent wealth creation.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| YTD ReturnYear-to-date | +4.3% | -6.3% |
| 1-Year ReturnPast 12 months | +13.4% | -3.3% |
| 3-Year ReturnCumulative with dividends | +67.7% | +54.9% |
| 5-Year ReturnCumulative with dividends | +98.5% | +75.7% |
| 10-Year ReturnCumulative with dividends | +189.6% | +68.3% |
| CAGR (3Y)Annualised 3-year return | +18.8% | +15.7% |
CB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
CB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CB is the less volatile stock with a -0.01 beta — it tends to amplify market swings less than AIG's 0.40 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CB currently trades 93.3% from its 52-week high vs AIG's 89.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.01x | 0.40x |
| 52-Week HighHighest price in past year | $345.67 | $87.46 |
| 52-Week LowLowest price in past year | $264.10 | $71.25 |
| % of 52W HighCurrent price vs 52-week peak | +93.3% | +89.7% |
| RSI (14)Momentum oscillator 0–100 | 46.8 | 54.6 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 4.1M |
CB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CB and AIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CB as "Buy" and AIG as "Hold". Consensus price targets imply 9.1% upside for AIG (target: $86) vs 6.7% for CB (target: $344). For income investors, AIG offers the higher dividend yield at 2.18% vs CB's 1.18%.
| Metric | CBChubb Limited | AIGAmerican Internat… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $344.33 | $85.63 |
| # AnalystsCovering analysts | 43 | 41 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +2.2% |
| Dividend StreakConsecutive years of raises | 9 | 3 |
| Dividend / ShareAnnual DPS | $3.80 | $1.71 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.9% | +13.9% |
Evenly matched — CB and AIG each lead in 1 of 2 comparable metrics.
Key Takeaway
CB leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). AIG leads in 1 (Valuation Metrics). 1 tied.
Best OverallChubb Limited (CB)Leads 4 of 6 categories
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CB vs AIG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CB or AIG a better buy right now?
For growth investors, Chubb Limited (CB) is the stronger pick with 6.
5% revenue growth year-over-year, versus -1. 8% for American International Group, Inc. (AIG). 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.
02Which has the better valuation — CB or AIG?
On trailing P/E, Chubb Limited (CB) is the cheapest at 12.
5x versus American International Group, Inc. at 14. 5x. On forward P/E, American International Group, Inc. is actually cheaper at 10. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — CB or AIG?
Over the past 5 years, Chubb Limited (CB) delivered a total return of +98.
5%, compared to +75. 7% for American International Group, Inc. (AIG). Over 10 years, the gap is even starker: CB returned +189. 6% versus AIG's +68. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CB or AIG?
By beta (market sensitivity over 5 years), Chubb Limited (CB) is the lower-risk stock at -0.
01β versus American International Group, Inc. 's 0. 40β — meaning AIG is approximately -7526% more volatile than CB relative to the S&P 500. On balance sheet safety, American International Group, Inc. (AIG) carries a lower debt/equity ratio of 22% versus 28% for Chubb Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — CB or AIG?
By revenue growth (latest reported year), Chubb Limited (CB) is pulling ahead at 6.
5% versus -1. 8% for American International Group, Inc. (AIG). On earnings-per-share growth, the picture is similar: American International Group, Inc. grew EPS 62. 1% year-over-year, compared to 13. 3% for Chubb Limited. Over a 3-year CAGR, CB leads at 11. 6% 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.
06Which has better profit margins — CB or AIG?
Chubb Limited (CB) is the more profitable company, earning 17.
2% net margin versus 11. 6% for American International Group, Inc. — meaning it keeps 17. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CB leads at 21. 8% versus 14. 5% for AIG. At the gross margin level — before operating expenses — AIG leads at 34. 5%, 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.
07Is CB or AIG more undervalued right now?
On forward earnings alone, American International Group, Inc.
(AIG) trades at 10. 0x forward P/E versus 11. 9x for Chubb Limited — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AIG: 9. 1% to $85. 63.
08Which pays a better dividend — CB or AIG?
All stocks in this comparison pay dividends.
American International Group, Inc. (AIG) offers the highest yield at 2. 2%, versus 1. 2% for Chubb Limited (CB).
09Is CB or AIG better for a retirement portfolio?
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. 6% 10Y return). Both have compounded well over 10 years (CB: +189. 6%, AIG: +68. 3%), 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.
10What are the main differences between CB and AIG?
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.
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.
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Revenue Growth>
%
(CB: 7.9% · AIG: -1.8%)Net Margin>
%
(CB: 17.2% · AIG: 11.9%)P/E Ratio<
x
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