Insurance - Property & Casualty
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GBLI vs MMC
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Brokers
GBLI vs MMC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Brokers |
| Market Cap | $384M | $85.27B |
| Revenue (TTM) | $451M | $26.45B |
| Net Income (TTM) | $34M | $4.13B |
| Gross Margin | 37.7% | 42.3% |
| Operating Margin | 9.7% | 23.2% |
| Forward P/E | 9.5x | 16.9x |
| Total Debt | $8M | $21.86B |
| Cash & Equiv. | $66M | $2.40B |
GBLI vs MMC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Global Indemnity Gr… (GBLI) | 100 | 110.4 | +10.4% |
| Marsh & McLennan Co… (MMC) | 100 | 177.7 | +77.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GBLI vs MMC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
GBLI is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.14, Low D/E 1.2%, current ratio 1.35x
- Beta 0.14, yield 5.2%, current ratio 1.35x
- Lower P/E (9.5x vs 16.9x)
MMC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 19 yrs, beta 0.14, yield 1.8%
- Rev growth 7.6%, EPS growth 8.6%, 3Y rev CAGR 7.3%
- 210.8% 10Y total return vs GBLI's 17.1%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 7.6% revenue growth vs GBLI's 2.0% | |
| Value | Lower P/E (9.5x vs 16.9x) | |
| Quality / Margins | Combined ratio 0.8 vs GBLI's 0.9 (lower = better underwriting) | |
| Stability / Safety | Beta 0.14 vs GBLI's 0.14 | |
| Dividends | 5.2% yield, vs MMC's 1.8% | |
| Momentum (1Y) | -2.8% vs MMC's -21.6% | |
| Efficiency (ROA) | 7.0% ROA vs GBLI's 0.0%, ROIC 15.2% vs 3.8% |
GBLI vs MMC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
GBLI vs MMC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
MMC leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MMC is the larger business by revenue, generating $26.5B annually — 58.7x GBLI's $451M. MMC is the more profitable business, keeping 15.6% of every revenue dollar as net income compared to GBLI's 7.4%. On growth, MMC holds the edge at +11.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $451M | $26.5B |
| EBITDAEarnings before interest/tax | $48M | $7.0B |
| Net IncomeAfter-tax profit | $34M | $4.1B |
| Free Cash FlowCash after capex | $7M | $5.1B |
| Gross MarginGross profit ÷ Revenue | +37.7% | +42.3% |
| Operating MarginEBIT ÷ Revenue | +9.7% | +23.2% |
| Net MarginNet income ÷ Revenue | +7.4% | +15.6% |
| FCF MarginFCF ÷ Revenue | +1.5% | +19.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +0.5% | +11.5% |
| EPS Growth (YoY)Latest quarter vs prior year | +196.7% | 0.0% |
Valuation Metrics
GBLI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 15.3x trailing earnings, GBLI trades at a 28% valuation discount to MMC's 21.3x P/E. On an enterprise value basis, GBLI's 8.4x EV/EBITDA is more attractive than MMC's 16.0x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $384M | $85.3B |
| Enterprise ValueMkt cap + debt − cash | $327M | $104.7B |
| Trailing P/EPrice ÷ TTM EPS | 15.31x | 21.28x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.53x | 16.89x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.11x |
| EV / EBITDAEnterprise value multiple | 8.40x | 15.96x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 3.49x |
| Price / BookPrice ÷ Book value/share | 0.54x | 6.38x |
| Price / FCFMarket cap ÷ FCF | 42.41x | 21.39x |
Profitability & Efficiency
MMC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MMC delivers a 26.9% return on equity — every $100 of shareholder capital generates $27 in annual profit, vs $0 for GBLI. GBLI carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to MMC's 1.62x. On the Piotroski fundamental quality scale (0–9), MMC scores 6/9 vs GBLI's 5/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +0.0% | +26.9% |
| ROA (TTM)Return on assets | +0.0% | +7.0% |
| ROICReturn on invested capital | +3.8% | +15.2% |
| ROCEReturn on capital employed | +4.4% | +17.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.01x | 1.62x |
| Net DebtTotal debt minus cash | -$57M | $19.5B |
| Cash & Equiv.Liquid assets | $66M | $2.4B |
| Total DebtShort + long-term debt | $8M | $21.9B |
| Interest CoverageEBIT ÷ Interest expense | 16.91x | 6.66x |
Total Returns (Dividends Reinvested)
Evenly matched — GBLI and MMC each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MMC five years ago would be worth $13,665 today (with dividends reinvested), compared to $10,966 for GBLI. Over the past 12 months, GBLI leads with a -2.8% total return vs MMC's -21.6%. The 3-year compound annual growth rate (CAGR) favors GBLI at 3.2% vs MMC's 0.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -5.6% | -3.6% |
| 1-Year ReturnPast 12 months | -2.8% | -21.6% |
| 3-Year ReturnCumulative with dividends | +9.8% | +2.0% |
| 5-Year ReturnCumulative with dividends | +9.7% | +36.6% |
| 10-Year ReturnCumulative with dividends | +17.1% | +210.8% |
| CAGR (3Y)Annualised 3-year return | +3.2% | +0.7% |
Risk & Volatility
Evenly matched — GBLI and MMC each lead in 1 of 2 comparable metrics.
Risk & Volatility
MMC is the less volatile stock with a 0.14 beta — it tends to amplify market swings less than GBLI's 0.14 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GBLI currently trades 78.8% from its 52-week high vs MMC's 73.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.14x | 0.14x |
| 52-Week HighHighest price in past year | $34.00 | $235.78 |
| 52-Week LowLowest price in past year | $25.63 | $170.37 |
| % of 52W HighCurrent price vs 52-week peak | +78.8% | +73.8% |
| RSI (14)Momentum oscillator 0–100 | 44.5 | 37.2 |
| Avg Volume (50D)Average daily shares traded | 3K | 2.7M |
Analyst Outlook
Evenly matched — GBLI and MMC each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, GBLI offers the higher dividend yield at 5.24% vs MMC's 1.75%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $206.75 |
| # AnalystsCovering analysts | — | 26 |
| Dividend YieldAnnual dividend ÷ price | +5.2% | +1.8% |
| Dividend StreakConsecutive years of raises | 0 | 19 |
| Dividend / ShareAnnual DPS | $1.40 | $3.05 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.1% |
MMC leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). GBLI leads in 1 (Valuation Metrics). 3 tied.
GBLI vs MMC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is GBLI or MMC a better buy right now?
For growth investors, Marsh & McLennan Companies, Inc.
(MMC) is the stronger pick with 7. 6% revenue growth year-over-year, versus 2. 0% for Global Indemnity Group, LLC (GBLI). Global Indemnity Group, LLC (GBLI) offers the better valuation at 15. 3x trailing P/E (9. 5x forward), making it the more compelling value choice. Analysts rate Marsh & McLennan Companies, Inc. (MMC) a "Hold" — based on 26 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 — GBLI or MMC?
On trailing P/E, Global Indemnity Group, LLC (GBLI) is the cheapest at 15.
3x versus Marsh & McLennan Companies, Inc. at 21. 3x. On forward P/E, Global Indemnity Group, LLC is actually cheaper at 9. 5x.
03Which is the better long-term investment — GBLI or MMC?
Over the past 5 years, Marsh & McLennan Companies, Inc.
(MMC) delivered a total return of +36. 6%, compared to +9. 7% for Global Indemnity Group, LLC (GBLI). Over 10 years, the gap is even starker: MMC returned +210. 8% versus GBLI's +17. 1%. 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 — GBLI or MMC?
By beta (market sensitivity over 5 years), Marsh & McLennan Companies, Inc.
(MMC) is the lower-risk stock at 0. 14β versus Global Indemnity Group, LLC's 0. 14β — meaning GBLI is approximately 0% more volatile than MMC relative to the S&P 500. On balance sheet safety, Global Indemnity Group, LLC (GBLI) carries a lower debt/equity ratio of 1% versus 162% for Marsh & McLennan Companies, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — GBLI or MMC?
By revenue growth (latest reported year), Marsh & McLennan Companies, Inc.
(MMC) is pulling ahead at 7. 6% versus 2. 0% for Global Indemnity Group, LLC (GBLI). On earnings-per-share growth, the picture is similar: Marsh & McLennan Companies, Inc. grew EPS 8. 6% year-over-year, compared to -43. 9% for Global Indemnity Group, LLC. Over a 3-year CAGR, MMC leads at 7. 3% 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 — GBLI or MMC?
Marsh & McLennan Companies, Inc.
(MMC) is the more profitable company, earning 16. 6% net margin versus 5. 6% for Global Indemnity Group, LLC — meaning it keeps 16. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MMC leads at 23. 8% versus 7. 4% for GBLI. At the gross margin level — before operating expenses — GBLI leads at 49. 3%, 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 GBLI or MMC more undervalued right now?
On forward earnings alone, Global Indemnity Group, LLC (GBLI) trades at 9.
5x forward P/E versus 16. 9x for Marsh & McLennan Companies, Inc. — 7. 4x cheaper on a one-year earnings basis.
08Which pays a better dividend — GBLI or MMC?
All stocks in this comparison pay dividends.
Global Indemnity Group, LLC (GBLI) offers the highest yield at 5. 2%, versus 1. 8% for Marsh & McLennan Companies, Inc. (MMC).
09Is GBLI or MMC better for a retirement portfolio?
For long-horizon retirement investors, Marsh & McLennan Companies, Inc.
(MMC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 14), 1. 8% yield, +210. 8% 10Y return). Both have compounded well over 10 years (MMC: +210. 8%, GBLI: +17. 1%), 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 GBLI and MMC?
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: GBLI is a small-cap deep-value stock; MMC is a mid-cap quality compounder 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.
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