CB vs TRV Stock Comparison: AI Score, Valuation, Performance and Upside
Chubb and Travelers are both established property and casualty insurers, but Chubb operates a more global, specialty-oriented book while Travelers concentrates on U.S. commercial and personal lines with deep domestic broker relationships.
Chubb offers exposure to global specialty insurance with pricing power in less commoditized segments, while Travelers offers a domestically focused commercial and personal lines franchise with steady capital returns. Consider whether you prefer Chubb's international specialty positioning or Travelers' concentrated U.S. underwriting franchise.
CB holds the edge across 3 of 5 key metrics in this comparison. TRV has delivered stronger 1-year price return (+33.56% vs +22.78%), though CB has the better forward P/E setup (11.68x vs 12.24x for TRV). On fundamentals, CB is growing revenue faster (6.10%), while TRV maintains the higher operating margin (23.70%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for CB (+7.71%) than for TRV (-2.59%).
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 exposure to a global specialty and high-net-worth personal insurance franchise
- Believe international premium growth offers diversification beyond the U.S. market
- Value a long track record of underwriting discipline across insurance cycles
- Are comfortable with currency translation effects on reported results
- Want exposure to a leading U.S. commercial and personal lines insurance franchise
- Value deep agent and broker relationships built over decades
- Believe consistent capital return through dividends and buybacks reflects underwriting stability
- Are comfortable with concentrated exposure to U.S. weather-related catastrophe risk
| Metric | CB | TRV |
|---|---|---|
| AI scorei | 51.5 | 48.9 |
| AI ranki | #356 | #521 |
| Latest closei | $341.59 | $369.35 |
| 1M returni | -3.11% | -3.43% |
| 6M returni | +2.75% | +20.45% |
| 1Y returni | +22.78% | +33.56% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CB | TRV |
|---|---|---|
| 1Y ago | $12.2K (+22.0%) started 2025-09-04 | $13.22K (+32.2%) started 2025-09-04 |
| 5Y ago | $21.14K (+111.4%) started 2021-09-07 | $27.4K (+174.0%) started 2021-09-07 |
| 10Y ago | $37.64K (+276.4%) started 2016-09-06 | $46.73K (+367.3%) started 2016-09-06 |
Hypothetical — past performance does not guarantee future results.
| Metric | CB | TRV |
|---|---|---|
| Market capi | $131.14B | $77.15B |
| Trailing P/Ei | 12.05 | 9.94 |
| Forward P/Ei | 11.68 | 12.24 |
| Price/Salesi | N/A | 1.32 |
| EV/Revenuei | 2.48 | 1.66 |
| Analyst targeti | $366.13 | $360.33 |
| Target upsidei | +7.71% | -2.59% |
| Metric | CB | TRV |
|---|---|---|
| Revenue growthi | 6.10% | 0.30% |
| Earnings growthi | -0.70% | 57.10% |
| EPS growthi | -0.70% | +57.10% |
| FCF margini | +16.94% | +30.17% |
| Operating margini | 23.53% | 23.70% |
| Profit margini | 18.07% | 16.95% |
| ROIC proxyi | 14.82% | 26.51% |
| Return on equityi | 14.82% | 26.51% |
| Dividend yieldi | 1.21% | 1.35% |
| Betai | 0.39 | 0.46 |
| Debt/equityi | 30.94 | 27.38 |
| Current ratioi | 0.41 | 0.32 |
| Quick ratioi | 0.20 | 0.19 |
Over the past year, CB and TRV have moved strongly in the same direction (correlation of 0.72), 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 | TRV |
|---|---|---|---|
| 1Y | Growthi | +22.05% | +32.18% |
| CAGRi | +22.08% | +32.23% | |
| Volatilityi | 19.57% | 20.84% | |
| Sharpe ratioi | 0.89 | 1.23 | |
| Sortino ratioi | 1.37 | 2.01 | |
| Max drawdowni | 9.62% | 8.81% | |
| Current drawdowni | 6.03% | 7.02% | |
| Avg drawdowni | 3.10% | 3.11% | |
| Ulcer Indexi | 3.88% | 4.01% | |
| Max daily dropi | 3.62% | 3.35% | |
| Max wkly dropi | 5.66% | 5.72% | |
| 5Y | Growthi | +99.14% | +152.86% |
| CAGRi | +14.80% | +20.42% | |
| Volatilityi | 20.44% | 22.30% | |
| Sharpe ratioi | 0.56 | 0.75 | |
| Sortino ratioi | 0.81 | 1.10 | |
| Max drawdowni | 19.26% | 18.90% | |
| Current drawdowni | 6.03% | 7.02% | |
| Avg drawdowni | 5.70% | 5.34% | |
| Ulcer Indexi | 7.38% | 6.99% | |
| Max daily dropi | 7.20% | 7.92% | |
| Max wkly dropi | 9.23% | 11.58% | |
| 10Y | Growthi | +214.67% | +276.52% |
| CAGRi | +12.15% | +14.19% | |
| Volatilityi | 23.85% | 24.69% | |
| Sharpe ratioi | 0.41 | 0.48 | |
| Sortino ratioi | 0.58 | 0.66 | |
| Max drawdowni | 42.59% | 46.28% | |
| Current drawdowni | 6.03% | 7.02% | |
| Avg drawdowni | 7.21% | 7.36% | |
| Ulcer Indexi | 10.21% | 10.38% | |
| Max daily dropi | 16.77% | 20.80% | |
| Max wkly dropi | 24.86% | 27.45% |
| Category | CB | TRV |
|---|---|---|
| Company | Chubb Limited | The Travelers Companies, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Core business | A global property and casualty insurer offering commercial and personal lines coverage, including specialty insurance for high-net-worth individuals and complex commercial risks, across a wide international footprint. | A leading U.S. property and casualty insurer providing commercial, personal, and specialty insurance products, with a large domestic footprint across business and personal lines. |
| Investor focus | Commercial lines pricing trends, growth in high-net-worth personal insurance, and international premium expansion outside the United States. | Renewal premium rate changes, catastrophe loss trends, and underwriting margin improvement across its business insurance and personal lines segments. |
- Global underwriting footprint provides exposure to both developed and emerging insurance markets
- Specialty and high-net-worth personal lines franchise commands pricing power in less commoditized segments
- Long track record of underwriting discipline has supported consistent combined ratio performance across cycles
- Strong domestic commercial lines franchise benefits from long-standing agent and broker relationships
- Diversified mix across business, personal, and specialty insurance segments balances underwriting exposure
- Consistent capital return through dividends and buybacks reflects steady underwriting cash generation
- International operations introduce currency translation effects on reported results
- Commercial property exposure carries catastrophe risk that can pressure results in high-loss years
- Faces competition from other large global commercial insurers on pricing and capacity
- Heavily concentrated U.S. exposure makes results more sensitive to domestic weather-related catastrophe events
- Personal lines profitability depends on rate increases keeping pace with auto and homeowners claims inflation
- Faces pricing competition from both large national insurers and regional carriers
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