FIHL vs CB

For growth investors, Chubb Limited (CB) is the stronger pick with 6.

5% revenue growth year-over-year, versus -32. 6% for Fidelis Insurance Holdings Limited (FIHL). 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 Fidelis Insurance Holdings Limited (FIHL) a "Buy" — based on 11 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 Fidelis Insurance Holdings Limited at 21. 4x. On forward P/E, Fidelis Insurance Holdings Limited is actually cheaper at 6. 3x — notably different from the trailing picture, reflecting expected earnings growth.

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

9%, compared to +70. 9% for Fidelis Insurance Holdings Limited (FIHL). Over 10 years, the gap is even starker: CB returned +189. 4% versus FIHL's +70. 9%. 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 Fidelis Insurance Holdings Limited's 0. 48β — meaning FIHL is approximately -8941% more volatile than CB relative to the S&P 500. On balance sheet safety, Fidelis Insurance Holdings Limited (FIHL) carries a lower debt/equity ratio of 18% versus 28% for Chubb Limited — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Chubb Limited (CB) is pulling ahead at 6.

5% versus -32. 6% for Fidelis Insurance Holdings Limited (FIHL). On earnings-per-share growth, the picture is similar: Chubb Limited grew EPS 13. 3% year-over-year, compared to -94. 7% for Fidelis Insurance Holdings Limited. Over a 3-year CAGR, FIHL leads at 26. 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.

Chubb Limited (CB) is the more profitable company, earning 17.

2% net margin versus 4. 7% for Fidelis Insurance Holdings Limited — 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 5. 6% for FIHL. At the gross margin level — before operating expenses — CB leads at 29. 4%, 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.

On forward earnings alone, Fidelis Insurance Holdings Limited (FIHL) trades at 6.

3x forward P/E versus 11. 9x for Chubb Limited — 5. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CB: 7. 0% to $344. 33.

All stocks in this comparison pay dividends.

Fidelis Insurance Holdings Limited (FIHL) offers the highest yield at 1. 9%, versus 1. 2% for Chubb Limited (CB).

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%, FIHL: +70. 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: FIHL is a small-cap quality compounder 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.