AIG vs. CB: American International vs. Chubb Stock Comparison
How do American International (AIG) and Chubb (CB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
American International (AIG) and Chubb (CB) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while CB falls under Property & Casualty Insurance.
| Profile Item | AIG | CB |
|---|---|---|
| Name | American International Group, Inc. | Chubb Limited |
| Country/Region | United States | Switzerland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Property & Casualty Insurance |
| Market Capitalization | 40.31 billion USD | 139.47 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1973 | March 25, 1993 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | CB |
|---|---|---|
| Total Return (1Y) | 5.79% | 27.51% |
| Total Return (3Y, Annualized) | 10.55% | 19.71% |
| Total Return (5Y, Annualized) | 8.67% | 14.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | CB |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 19.45% |
| Beta (5Y) | 0.47 | 0.28 |
| Max Drawdown (5Y) | -26.45% | -19.26% |
| Avg. Volume (3M) | 4.14M | 1.60M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | CB |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | 1.19 |
| Sortino Ratio (1Y) | 0.09 | 1.92 |
Profitability
ROE (TTM)
Chubb (CB) at 14.25% is around its peer norm for ROE, while American International (AIG) at 8.23% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- Min
- -10.66%
CB
Insurance industry group
14.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- CB
- 14.25%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Chubb (CB) at 18.13% retains a top-quartile share of revenue as profit, ahead of American International (AIG) at 11.84%, which keeps about the industry-typical share.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
CB
Insurance industry group
18.13%
- Max
- 29.92%
- CB
- 18.13%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American International (AIG) 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 Metrics
| Metric | AIG | CB |
|---|---|---|
| ROE (TTM) | 8.23% | 14.25% |
| ROA (TTM) | 1.95% | 3.11% |
| Net Margin (TTM) | 11.84% | 18.13% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Chubb (CB) at 6.98% is around its peer norm for revenue growth, while American International (AIG) at -1.82% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Only one side can be read here: Chubb (CB) reports EPS growth of 14.08%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AIG | CB |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | 6.98% |
| Revenue Growth (3Y CAGR) | -3.69% | 11.81% |
| EPS Growth (YoY) | -- | 14.08% |
| EPS Growth (3Y CAGR) | -25.13% | 26.96% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: American International (AIG) 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 Metrics
| Metric | AIG | CB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
American International (AIG) at 2.35% delivers top-quartile income for its industry, while Chubb (CB) at 1.07% pays a more typical yield — both are credible income propositions, AIG the richer one.
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
CB
Insurance industry group
1.07%
- Max
- 5.12%
- Q3
- 2.15%
- CB
- 1.07%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American International (AIG) at 31.00% and Chubb (CB) at 13.95% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
CB
Insurance industry group
13.95%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- CB
- 13.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AIG | CB |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 1.07% |
| Dividend Payout Ratio (TTM) | 31.00% | 13.95% |
Valuation
P/E Ratio (TTM)
Both American International (AIG) at 12.68 and Chubb (CB) at 12.79 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
CB
Insurance industry group
12.79
- Max
- 28.37
- Q3
- 18.75
- CB
- 12.79
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both American International (AIG) at 1.45 and Chubb (CB) at 2.25 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
CB
Insurance industry group
2.25
- Max
- 4.03
- CB
- 2.25
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
American International (AIG) at 1.04 sits in the lower P/B ratio quartile against book while Chubb (CB) at 1.91 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- Min
- 0.30
CB
Insurance industry group
1.91
- Max
- 5.07
- Q3
- 2.79
- CB
- 1.91
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AIG | CB |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 12.79 |
| P/S Ratio (TTM) | 1.45 | 2.25 |
| P/B Ratio (MRQ) | 1.04 | 1.91 |
| Free Cash Flow Yield (TTM) | -- | -- |