LIVE
CB
Chubb Limited · Financial Services / Property & Casualty Insurance
$323.40
-2.04% this month
VERSUS
⟷
COMPARE
ALL
The Allstate Corporation · Financial Services / Personal Lines Insurance
$221.17
-1.52% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
CB
2
ALL
3
Comparison scoreboard
ALL LEADS 3/5AI Score
CB 51.1
ALL ✓51.3
1Y Return
CB ✓+13.95%
ALL +11.59%
Fwd P/E
CB 11.06
ALL ✓8.41
Target Up.
CB +6.69%
ALL ✓+8.90%
Op. Margin
CB ✓20.64%
ALL 18.95%
Metrics last refreshed: 6/22/2026
Quick take
CB vs ALL Stock Comparison: AI Score, Valuation, Performance and Upside
Chubb and Allstate are both P&C insurers but at different market segments. Chubb focuses on complex commercial insurance and affluent personal insurance — global, specialized, and with best-in-class underwriting discipline producing consistently strong combined ratios. Allstate focuses on mass-market US personal auto and homeowners insurance — highly competitive, more volatile, and dependent on successful rate cycle management. Chubb offers quality and global diversification; Allstate offers US personal lines market exposure with recovery from a difficult 2021-2022 period.
CB vs ALL — Chubb Limited (world's largest publicly traded P&C insurer with global commercial insurance dominance, best-in-class underwriting discipline, and affluent personal lines niche) versus Allstate Corporation (second-largest US personal auto insurer serving 16M+ households, recovering from personal auto loss inflation with aggressive rate increases).
Live analysis · updated 6/22/2026
ALL holds the edge across 3 of 5 key metrics in this comparison. CB has delivered stronger 1-year price return (+13.95% vs +11.59%), though ALL trades at the lower forward P/E (8.41x vs 11.06x). CB leads on both revenue growth (10.20%) and operating margin (20.64%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +6.69% for CB and +8.90% for ALL.
Normalized 1Y performance
CB
ALL
Recent returns
CB
ALL
Analyst price targets & sentiment
CB
Price target range
analyst mean$345.04
current price$323.40
+6.7% upside to analyst mean
ALL
Price target range
analyst mean$240.86
current price$221.17
+8.9% upside to analyst mean
Who should consider this stock?
CB may suit investors who:
- →want the highest quality P&C insurance underwriter — Chubb's consistent combined ratio leadership across decades reflects genuine underwriting excellence and complex risk pricing discipline
- →value global commercial insurance diversification — Chubb's 54-country operations provide exposure to international insurance markets with different demand and cycle characteristics
- →prefer complex commercial insurance (large corporations, specialty risks, D&O, cyber) over mass-market personal auto's intense price competition
- →are comfortable with catastrophe exposure managed through disciplined portfolio selection rather than trying to predict or avoid cat years
ALL may suit investors who:
- →want personal lines insurance cycle recovery exposure — Allstate's aggressive rate increases in 2022-2023 position it for underwriting profitability restoration in 2024-2025
- →believe personal auto pricing has turned favorably and Allstate's execution positions it well vs GEICO and State Farm for market share in favorable pricing environments
- →are comfortable with personal auto volatility in exchange for exposure to the rate increase cycle benefit as loss cost inflation moderates after aggressive premium hikes
- →value Allstate's distribution network transformation and digital direct investment as a strategic repositioning toward more efficient customer acquisition
Performance & AI score
| Metric | CB | ALL |
|---|---|---|
| AI score | 51.1 | 51.3 |
| AI rank | #397 | #378 |
| Latest close | $323.40 | $221.17 |
| 1M return | -2.04% | -1.52% |
| 6M return | +3.34% | +5.78% |
| 1Y return | +13.95% | +11.59% |
$10,000 invested — hypothetical growth (dividends reinvested)
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 | $11.46K (+14.6%) started 2025-06-18 | $11.3K (+13.0%) started 2025-06-18 |
| 5Y ago | $22.87K (+128.7%) started 2021-06-21 | $20.96K (+109.6%) started 2021-06-21 |
| 10Y ago | $37.04K (+270.4%) started 2016-06-20 | $50.08K (+400.8%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | CB | ALL |
|---|---|---|
| Market cap | $125.43B | $56.93B |
| Trailing P/E | 11.44 | 4.89 |
| Forward P/E | 11.06 | 8.41 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 2.45 | 0.90 |
| Analyst target | $345.04 | $240.86 |
| Target upside | +6.69% | +8.90% |
Growth, profitability & risk
| Metric | CB | ALL |
|---|---|---|
| Revenue growth | 10.20% | 3.00% |
| Earnings growth | 78.70% | 338.40% |
| EPS growth | +78.70% | +338.40% |
| FCF margin | +20.70% | +18.23% |
| Operating margin | 20.64% | 18.95% |
| Profit margin | 18.53% | 17.81% |
| ROIC proxy | 15.43% | 45.22% |
| Return on equity | 15.43% | 45.22% |
| Dividend yield | 1.26% | 1.95% |
| Beta | 0.42 | 0.19 |
| Debt/equity | 31.46 | 23.72 |
| Current ratio | 0.39 | 0.36 |
| Quick ratio | 0.19 | 0.24 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
CB max drawdown9.62%
ALL max drawdown11.48%
CB max wkly drop5.66%
ALL max wkly drop9.39%
5Y risk snapshot
CB max drawdown19.26%
ALL max drawdown27.35%
CB max wkly drop9.23%
ALL max wkly drop12.82%
10Y risk snapshot
CB max drawdown42.59%
ALL max drawdown41.39%
CB max wkly drop24.86%
ALL max wkly drop22.74%
Performance metrics by period
| Period | Metric | CB | ALL |
|---|---|---|---|
| 1Y | Growth | +14.62% | +13.03% |
| CAGR | +14.64% | +13.05% | |
| Sharpe ratio | 0.61 | 0.45 | |
| Max drawdown | 9.62% | 11.48% | |
| Max daily drop | 3.62% | 5.28% | |
| Max wkly drop | 5.66% | 9.39% | |
| 5Y | Growth | +115.49% | +89.83% |
| CAGR | +16.62% | +13.70% | |
| Sharpe ratio | 0.64 | 0.46 | |
| Max drawdown | 19.26% | 27.35% | |
| Max daily drop | 7.20% | 12.90% | |
| Max wkly drop | 9.23% | 12.82% | |
| 10Y | Growth | +207.63% | +304.04% |
| CAGR | +11.90% | +14.99% | |
| Sharpe ratio | 0.41 | 0.51 | |
| Max drawdown | 42.59% | 41.39% | |
| Max daily drop | 16.77% | 14.09% | |
| Max wkly drop | 24.86% | 22.74% |
Business comparison
| Category | CB | ALL |
|---|---|---|
| Company | Chubb Limited | The Allstate Corporation |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| Core business | Chubb is the world's largest publicly traded property and casualty insurer — operating globally in commercial insurance (large corporations, industrial risks, specialty lines), personal lines (high-net-worth homeowners and auto insurance through the Chubb Personal Risk Services brand), and reinsurance. Chubb's North America Commercial P&C and North America Personal P&C segments serve large corporations and affluent individuals — not the mass personal auto market. Chubb's underwriting discipline and focus on complex commercial risks have historically produced best-in-class combined ratios (a measure of underwriting profitability). | Allstate is the second-largest US personal lines insurer — primarily US personal auto insurance (sold through Allstate agent network and Esurance/Answer Financial direct brands) and homeowners insurance. Allstate serves 16M+ US households with standard personal insurance products. Personal auto is the core business — a highly competitive, cyclical market where loss ratios fluctuate with accident frequency, repair costs, and natural disasters. Allstate has undergone significant transformation — selling its life insurance business to focus entirely on property-casualty, implementing aggressive rate increases in 2022-2023 to restore underwriting profitability. |
| Investor focus | Investors focus on Chubb's combined ratio (underwriting profitability vs Allstate's more volatile personal lines), premium pricing environment (commercial insurance rates), international insurance market growth, and investment income generation from Chubb's enormous investment portfolio. | Investors focus on Allstate's personal auto combined ratio recovery (rate increases vs claims inflation), homeowners insurance catastrophe loss experience, auto insurance market pricing cycle, and profitability restoration after 2022's industry-wide personal auto losses. |
CB strengths
- →Best-in-class underwriting discipline: Chubb's focus on complex commercial risks with rigorous pricing and risk selection produces consistently strong combined ratios — superior underwriting profitability vs mass market personal lines
- →Global diversification: Chubb operates in 54 countries — international commercial insurance and emerging market exposure diversifies beyond US insurance cycle
- →High-net-worth personal insurance niche: Chubb's affluent personal lines (high-value homes, collectibles, private jets, specialty) are less commoditized and more defensible than standard personal auto insurance
ALL strengths
- →Personal auto market scale: Allstate's 16M+ household customer base provides distribution scale and brand awareness for personal insurance renewal
- →Aggressive rate increase execution: Allstate implemented 20-30% rate increases in 2022-2023 to restore profitability — executing faster than many competitors
- →Distribution model flexibility: Allstate serves customers through exclusive agents, direct digital (Esurance), and independent agents — multi-channel reach
Risks to watch — CB
- →Large catastrophe exposure: Chubb's commercial property and global operations create exposure to natural catastrophes (hurricanes, earthquakes, wildfires) — large cat years significantly impact earnings
- →Commercial insurance cycle sensitivity: commercial insurance pricing follows industry supply/demand cycles — hard markets (rising prices) benefit Chubb; soft markets (competitive pricing) compress margins
- →Complex specialty risk uncertainty: some Chubb commercial specialty lines (cyber insurance, directors and officers liability) involve harder-to-price risks where reserve inadequacy is more difficult to detect early
Risks to watch — ALL
- →Personal auto is highly competitive and cyclical: rate competition from GEICO, Progressive, and State Farm makes personal auto a tough long-term profitability market — industry combined ratios have exceeded 100% in challenging years
- →Catastrophe homeowners exposure: Allstate's homeowners insurance has significant natural disaster exposure (hurricanes, wildfires, hail) — cat year volatility creates unpredictable earnings swings
- →Agent distribution facing competitive pressure: independent agent and direct digital channels (GEICO's direct model, Progressive's Snapshot program) compete with Allstate's traditional agent-based model
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