AFL vs. CB: Aflac vs. Chubb Stock Comparison

June 13, 2026

This page compares Aflac (AFL) with Chubb (CB) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Performance

Cumulative Growth

AFL

Aflac (AFL) vs. Chubb (CB): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Aflac (AFL) and Chubb (CB). Returns over one year are annualized.

Performance at a Glance

Performance metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
1-Year Return	17.23%	14.50%

Risk

Drawdown

AFL

Aflac (AFL) vs. Chubb (CB): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Risk metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
1-Year Volatility	17.06%	17.68%
Beta	0.60	0.40
3-Month Avg. Volume	2.42M	1.66M

Company Profile

Aflac (AFL) and Chubb (CB) both belong to the Insurance industry, though AFL is classified under Life & Health Insurance while CB falls under Property & Casualty Insurance.

Company profile comparison for Aflac (AFL) and Chubb (CB)
Profile Item	AFL	CB
Name	Aflac Inc.	Chubb Limited
Country/Region	United States	Switzerland
GICS Sector	Financials	Financials
GICS Industry Group	Insurance	Insurance
GICS Industry	Insurance	Insurance
GICS Sub-Industry	Life & Health Insurance	Property & Casualty Insurance
Market Capitalization	59.96 billion USD	127.27 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	March 25, 1993
Security Type	Common Stock	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

Both Aflac (AFL) at 13.46 and Chubb (CB) at 11.60 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AFL

Insurance industry group

13.46

Max: 25.24
Q3: 16.46
AFL: 13.46
Median: 12.28
Q1: 8.66
Min: 3.44

CB

Insurance industry group

11.60

Max: 25.24
Q3: 16.46
Median: 12.28
CB: 11.60
Q1: 8.66
Min: 3.44

Aflac (AFL) vs. Chubb (CB): A comparison of their P/E ratio against the Insurance industry group benchmark.

Price-to-Sales Ratio (TTM)

Chubb (CB) at 2.09 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.31 sits in the pricier quartile — AFL costs more per dollar of sales.

AFL

Insurance industry group

3.31

Max: 3.96
AFL: 3.31
Q3: 2.13
Median: 1.17
Q1: 0.82
Min: 0.13

CB

Insurance industry group

2.09

Max: 3.96
Q3: 2.13
CB: 2.09
Median: 1.17
Q1: 0.82
Min: 0.13

Aflac (AFL) vs. Chubb (CB): A comparison of their P/S ratio against the Insurance industry group benchmark.

Price-to-Book Ratio (MRQ)

On P/B ratio, both Aflac (AFL) at 2.01 and Chubb (CB) at 1.73 are valued close to their industries’ norm against book — neither stands out from peers.

AFL

Insurance industry group

2.01

Max: 3.70
Q3: 2.21
AFL: 2.01
Median: 1.61
Q1: 1.12
Min: -0.14

CB

Insurance industry group

1.73

Max: 3.70
Q3: 2.21
CB: 1.73
Median: 1.61
Q1: 1.12
Min: -0.14

Aflac (AFL) vs. Chubb (CB): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation at a Glance

Valuation metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
Price-to-Earnings Ratio (TTM)	13.46	11.60
Price-to-Sales Ratio (TTM)	3.31	2.09
Price-to-Book Ratio (MRQ)	2.01	1.73
Free Cash Flow Yield	--	--

Profitability

Return on Equity (TTM)

Both Aflac (AFL) at 16.47% and Chubb (CB) at 15.43% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFL

Insurance industry group

16.47%

Max: 38.88%
Q3: 22.34%
AFL: 16.47%
Median: 14.13%
Q1: 9.51%
Min: -6.23%

CB

Insurance industry group

15.43%

Max: 38.88%
Q3: 22.34%
CB: 15.43%
Median: 14.13%
Q1: 9.51%
Min: -6.23%

Aflac (AFL) vs. Chubb (CB): A comparison of their ROE against the Insurance industry group benchmark.

Net Profit Margin (TTM)

Aflac (AFL) at 25.60% retains a top-quartile share of revenue as profit, ahead of Chubb (CB) at 18.53%, which keeps about the industry-typical share.

AFL

Insurance industry group

25.60%

Max: 38.86%
AFL: 25.60%
Q3: 19.36%
Median: 11.07%
Q1: 5.09%
Min: -2.80%

CB

Insurance industry group

18.53%

Max: 38.86%
Q3: 19.36%
CB: 18.53%
Median: 11.07%
Q1: 5.09%
Min: -2.80%

Aflac (AFL) vs. Chubb (CB): A comparison of their net margin against the Insurance industry group benchmark.

Operating Profit Margin (TTM)

Neither side reports a meaningful operating margin: for Aflac (AFL) in Insurance and Chubb (CB) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability at a Glance

Profitability metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
Return on Equity (TTM)	16.47%	15.43%
Return on Assets (TTM)	3.09%	3.36%
Net Profit Margin (TTM)	25.60%	18.53%
Operating Profit Margin (TTM)	--	--
Gross Profit Margin (TTM)	--	--

Growth

Revenue Growth

Aflac (AFL) vs. Chubb (CB): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

Revenue growth metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
1-Year Revenue Growth	-9.27%	6.74%
3-Year Revenue CAGR	-3.23%	11.56%

EPS Growth

Aflac (AFL) vs. Chubb (CB): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

EPS growth metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
1-Year EPS Growth	-29.18%	14.08%
3-Year EPS CAGR	-0.53%	26.95%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and Chubb (CB) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt-to-Equity Ratio (MRQ)

debt-to-equity ratio is set aside for both: Aflac (AFL) in Insurance and Chubb (CB) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength at a Glance

Financial strength metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
Current Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 2.07% and Chubb (CB) at 1.24% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

AFL

Insurance industry group

2.07%

Max: 5.43%
Q3: 2.64%
AFL: 2.07%
Median: 1.35%
Q1: 0.00%
Min: 0.00%

CB

Insurance industry group

1.24%

Max: 5.43%
Q3: 2.64%
Median: 1.35%
CB: 1.24%
Q1: 0.00%
Min: 0.00%

Aflac (AFL) vs. Chubb (CB): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 26.86% and Chubb (CB) at 13.72% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AFL

Insurance industry group

26.86%

Max: 86.52%
Q3: 35.43%
AFL: 26.86%
Median: 14.92%
Q1: 0.00%
Min: 0.00%

CB

Insurance industry group

13.72%

Max: 86.52%
Q3: 35.43%
Median: 14.92%
CB: 13.72%
Q1: 0.00%
Min: 0.00%

Aflac (AFL) vs. Chubb (CB): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividends at a Glance

Dividend metrics for Aflac (AFL) and Chubb (CB)
Metric	AFL	CB
Dividend Yield (TTM)	2.07%	1.24%
Dividend Payout Ratio (TTM)	26.86%	13.72%