Chubb vs Hartford
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The short version
- Chubb is the larger business, with $59.4B of revenue in fiscal 2025 against $28.4B for Hartford, about 2.1 times as much.
- Hartford earned a higher return on the capital invested in it (22.6%, against 13.6%).
- Investors pay more for each dollar of Chubb’s earnings: a P/E of 12.6x against 8.8x for Hartford.
| Latest fiscal year | CB · FY25 | HIG · FY25 |
|---|---|---|
| Size | ||
| Market cap | $140.1B | $37.8B |
| Revenue | $59.4B | $28.4B |
| Free cash flow | — | $5.8B |
| Net income | $10.3B | $3.8B |
| Growth | ||
| Revenue growth | 6.5% | 6.9% |
| 5-year growth | 10.5% | 6.7% |
| Share count change | −1.7% | −4.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 17.4% | 13.5% |
| FCF margin | — | 20.3% |
| Return on capital | 13.6% | 22.6% |
| Return on equity | 15.0% | 21.7% |
| Balance sheet | ||
| Net debt | $9.9B | −$159M |
| Net debt / EBITDA | — | −0.0x |
| Dividends and buybacks | $5.2B | $2.2B |
| Valuation & quality | ||
| P/E | 12.6x | 8.8x |
| Piotroski F-score | — | — |
Revenue
FY16
CB $31.5B
HIG $16.3B
FY17
CB $32.2B
HIG $17.2B
FY18
CB $32.7B
HIG $19.0B
FY19
CB $34.2B
HIG $20.7B
FY20
CB $36.0B
HIG $20.5B
FY21
CB $40.9B
HIG $22.4B
FY22
CB $43.1B
HIG $22.4B
FY23
CB $49.7B
HIG $24.5B
FY24
CB $55.8B
HIG $26.5B
FY25
CB $59.4B
HIG $28.4B
CB
HIG
Operating margin
FY16
CB —
HIG —
FY17
CB —
HIG —
FY18
CB —
HIG —
FY19
CB —
HIG —
FY20
CB —
HIG —
FY21
CB —
HIG —
FY22
CB —
HIG —
FY23
CB —
HIG —
FY24
CB —
HIG —
FY25
CB —
HIG —
CB
HIG
Free cash flow
FY16
CB —
HIG $1.8B
FY17
CB —
HIG $1.9B
FY18
CB —
HIG $2.7B
FY19
CB —
HIG $3.4B
FY20
CB —
HIG $3.8B
FY21
CB —
HIG $4.0B
FY22
CB —
HIG $3.8B
FY23
CB —
HIG $4.0B
FY24
CB —
HIG $5.8B
FY25
CB —
HIG $5.8B
CB
HIG
Return on capital
FY16
CB 11.1%
HIG —
FY17
CB 7.4%
HIG —
FY18
CB 7.6%
HIG 11.8%
FY19
CB 8.0%
HIG 14.7%
FY20
CB 6.0%
HIG 10.3%
FY21
CB 13.0%
HIG 13.5%
FY22
CB 8.9%
HIG 12.2%
FY23
CB 14.9%
HIG 18.1%
FY24
CB 14.0%
HIG 20.4%
FY25
CB 13.6%
HIG 22.6%
CB
HIG
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.