CB vs ALL Stock Comparison: AI Score, Valuation, Performance and Upside
CB (Chubb) is the world's largest publicly traded P&C insurer with a global commercial and specialty focus and high-net-worth personal lines, while ALL (Allstate) is a major U.S. personal lines insurer focused on mass-market auto and homeowners insurance. Chubb trades at a premium reflecting its underwriting quality and global diversification; Allstate offers more direct exposure to the U.S. personal auto insurance recovery.
CB vs ALL is premium global commercial and specialty insurance (Chubb's quality underwriting) versus mass-market U.S. personal lines auto and home insurance (Allstate's scale and brand) — different risk profiles, geographic exposures, and customer segments within the broader P&C insurance market.
ALL holds the edge across 3 of 5 key metrics in this comparison. CB has delivered stronger 1-year price return (+34.13% vs +27.20%), though ALL has the better forward P/E setup (8.20x vs 11.68x for CB). On fundamentals, ALL is growing revenue faster (11.80%), while CB maintains the higher operating margin (23.53%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for ALL (+17.92%) than for CB (+7.71%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want global P&C insurance exposure with premium underwriting quality, specialty commercial lines, and high-net-worth personal lines with Berkshire Hathaway as a major shareholder
- Value Chubb's superior combined ratio track record as a sign of disciplined underwriting that compounds value across insurance cycles
- Prefer international diversification in insurance — Chubb generates significant premiums outside the U.S. in Asia, Europe, and Latin America
- Want exposure to the U.S. personal auto and homeowners insurance market with Allstate's substantial brand recognition and distribution network
- Value Allstate's rate increase execution and margin recovery in personal auto as a catalyst for improving profitability post-COVID claims inflation cycle
- See Allstate Protection Plans (extended warranties) as a growing fee-based revenue stream that diversifies beyond traditional P&C insurance volatility
| Metric | CB | ALL |
|---|---|---|
| AI scorei | 53.5 | 54.5 |
| AI ranki | #352 | #302 |
| Latest closei | $359.79 | $247.88 |
| 1M returni | +5.35% | -2.73% |
| 3M returni | +2.17% | -0.81% |
| 6M returni | +8.75% | +14.67% |
| 1Y returni | +34.13% | +27.20% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CB | ALL |
|---|---|---|
| 1Y ago | $13.41K (+34.1%) started 2025-10-17 | $12.66K (+26.6%) started 2025-10-17 |
| 5Y ago | $22.57K (+125.7%) started 2021-10-18 | $23.59K (+135.9%) started 2021-10-18 |
| 10Y ago | $39.91K (+299.1%) started 2016-10-17 | $53.31K (+433.1%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | CB | ALL |
|---|---|---|
| Market capi | $131.14B | $58.01B |
| Trailing P/Ei | 12.05 | 4.59 |
| Forward P/Ei | 11.68 | 8.20 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 2.48 | 0.88 |
| Analyst targeti | $366.13 | $270.55 |
| Target upsidei | +7.71% | +17.92% |
| Metric | CB | ALL |
|---|---|---|
| Revenue growthi | 6.10% | 11.80% |
| Earnings growthi | -0.70% | 61.20% |
| EPS growthi | -0.70% | +61.20% |
| FCF margini | +16.94% | +21.61% |
| Operating margini | 23.53% | 22.83% |
| Profit margini | 18.07% | 18.97% |
| ROIC proxyi | 14.82% | 46.11% |
| Return on equityi | 14.82% | 46.11% |
| Dividend yieldi | 1.21% | 1.88% |
| Payout ratioi | 13.92% | 8.32% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.39 | 0.14 |
| Debt/equityi | 30.94 | 22.26 |
| Current ratioi | 0.41 | 0.36 |
| Quick ratioi | 0.20 | 0.24 |
Over the past year, CB and ALL have moved moderately in the same direction (correlation of 0.65), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | CB | ALL |
|---|---|---|---|
| 1Y | Growthi | +34.14% | +26.55% |
| CAGRi | +34.27% | +26.65% | |
| Volatilityi | 19.39% | 25.04% | |
| Sharpe ratioi | 1.39 | 0.89 | |
| Sortino ratioi | 2.25 | 1.28 | |
| Max drawdowni | 10.52% | 19.36% | |
| Current drawdowni | 1.02% | 9.90% | |
| Avg drawdowni | 3.50% | 4.29% | |
| Ulcer Indexi | 4.39% | 6.17% | |
| Max daily dropi | 3.26% | 5.50% | |
| Max wkly dropi | 5.61% | 11.45% | |
| 5Y | Growthi | +113.61% | +115.04% |
| CAGRi | +16.41% | +16.56% | |
| Volatilityi | 20.41% | 26.16% | |
| Sharpe ratioi | 0.63 | 0.55 | |
| Sortino ratioi | 0.92 | 0.76 | |
| Max drawdowni | 19.26% | 27.35% | |
| Current drawdowni | 1.02% | 9.90% | |
| Avg drawdowni | 5.81% | 7.28% | |
| Ulcer Indexi | 7.45% | 9.71% | |
| Max daily dropi | 7.20% | 12.90% | |
| Max wkly dropi | 9.23% | 12.82% | |
| 10Y | Growthi | +235.80% | +332.64% |
| CAGRi | +12.88% | +15.78% | |
| Volatilityi | 23.85% | 25.44% | |
| Sharpe ratioi | 0.44 | 0.53 | |
| Sortino ratioi | 0.62 | 0.73 | |
| Max drawdowni | 42.59% | 41.39% | |
| Current drawdowni | 1.02% | 9.90% | |
| Avg drawdowni | 7.27% | 7.78% | |
| Ulcer Indexi | 10.23% | 10.80% | |
| Max daily dropi | 16.77% | 14.09% | |
| Max wkly dropi | 24.86% | 22.74% |
| Category | CB | ALL |
|---|---|---|
| Company | Chubb Limited | The Allstate Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Core business | Chubb is the world's largest publicly traded P&C insurance company, offering commercial property-casualty, accident and health, reinsurance, and life insurance in 54 countries — known for its specialty commercial lines and high-net-worth personal lines insurance for affluent clients. | Allstate is one of the largest U.S. personal lines insurance companies, providing auto, home, life, and commercial insurance primarily to individuals and families — the brand is known for its 'You're in Good Hands' advertising and broad agent network. |
| Investor focus | Investors track Chubb's combined ratio (underwriting profitability), premium growth by geography and line, investment income (from large float invested in fixed income), and Warren Buffett's Berkshire Hathaway stake in Chubb as a vote of confidence in management quality. | Investors track Allstate's auto insurance combined ratio (profitability), rate increases and their impact on policy count, homeowners insurance catastrophe losses, Allstate Protection Plans (extended warranties), and capital return through buybacks and dividends. |
- Premium underwriting quality — Chubb is known for superior risk selection and pricing discipline, typically posting better combined ratios than peers across economic cycles
- Global commercial insurance leadership spanning complex commercial property, liability, marine, and specialty coverages that command higher margins than commodity personal auto
- High-net-worth personal lines expertise (insuring affluent clients' homes, jewelry, art, and vehicles) provides pricing power above commodity homeowners insurance
- Large personal auto insurance franchise with brand recognition and a substantial agent/direct distribution network across the U.S.
- Rate increase execution during the 2022-2024 personal auto insurance profitability crisis demonstrates pricing discipline in a state-regulated environment
- Allstate Protection Plans (device protection, extended warranties) provides a fee-based insurance-adjacent revenue stream less exposed to catastrophe and adverse loss trends
- Large catastrophe events (hurricanes, earthquakes, wildfires) can cause significant reinsurance losses in Chubb's property portfolios, creating earnings volatility
- Global operations create currency risk as non-U.S. premiums and investment assets are denominated in foreign currencies
- Chubb's premium pricing positions it at the high end — during soft insurance markets with excess competitive capacity, underwriting standards can face pressure
- Personal auto insurance has been a difficult market — high used car prices, elevated repair and medical costs, and rising claims severity required significant rate increases that pressured policy counts
- Homeowners insurance catastrophe exposure from severe convective storms, wildfires (California), and hurricanes creates periodic large losses
- Personal lines insurance is highly price-competitive and regulated state-by-state — getting rate increases approved requires regulatory approval in each state, slowing the response to emerging loss trends
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