APD vs. CB: A Head-to-Head Stock Comparison

Updated on August 29, 2025

Here’s a clear look at APD and CB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	APD	CB
Company Name	Air Products and Chemicals, Inc.	Chubb Limited
Country	United States	Switzerland
GICS Sector	Materials	Financials
GICS Industry	Chemicals	Insurance
Market Capitalization	65.56 billion USD	108.86 billion USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	March 25, 1993
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of APD and CB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

APD vs. CB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	APD	CB
5-Day Price Return	0.36%	-2.07%
13-Week Price Return	7.30%	-5.76%
26-Week Price Return	-4.94%	2.17%
52-Week Price Return	5.68%	-0.94%
Month-to-Date Return	2.33%	2.63%
Year-to-Date Return	1.57%	-1.18%
10-Day Avg. Volume	0.75M	1.81M
3-Month Avg. Volume	1.11M	1.75M
3-Month Volatility	18.27%	17.10%
Beta	0.87	0.56

Profitability

Return on Equity (TTM)

APD

9.70%

Chemicals Industry

Max: 26.17%
Q3: 13.48%
Median: 8.13%
Q1: 2.52%
Min: -11.86%

APD’s Return on Equity of 9.70% is on par with the norm for the Chemicals industry, indicating its profitability relative to shareholder equity is typical for the sector.

CB

13.89%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

CB’s Return on Equity of 13.89% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

APD vs. CB: A comparison of their Return on Equity (TTM) against their respective Chemicals and Insurance industry benchmarks.

Net Profit Margin (TTM)

APD

12.86%

Chemicals Industry

Max: 21.80%
Q3: 9.57%
Median: 4.44%
Q1: 1.14%
Min: -11.30%

A Net Profit Margin of 12.86% places APD in the upper quartile for the Chemicals industry, signifying strong profitability and more effective cost management than most of its peers.

CB

16.08%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 16.08% places CB in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

APD vs. CB: A comparison of their Net Profit Margin (TTM) against their respective Chemicals and Insurance industry benchmarks.

Operating Profit Margin (TTM)

APD

12.69%

Chemicals Industry

Max: 27.33%
Q3: 13.97%
Median: 8.08%
Q1: 4.46%
Min: -8.10%

APD’s Operating Profit Margin of 12.69% is around the midpoint for the Chemicals industry, indicating that its efficiency in managing core business operations is typical for the sector.

CB

20.15%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

APD vs. CB: A comparison of their Operating Profit Margin (TTM) against their respective Chemicals and Insurance industry benchmarks.

Profitability at a Glance

Symbol	APD	CB
Return on Equity (TTM)	9.70%	13.89%
Return on Assets (TTM)	3.87%	3.64%
Net Profit Margin (TTM)	12.86%	16.08%
Operating Profit Margin (TTM)	12.69%	20.15%
Gross Profit Margin (TTM)	31.87%	--

Financial Strength

Current Ratio (MRQ)

APD

1.29

Chemicals Industry

Max: 3.38
Q3: 2.23
Median: 1.73
Q1: 1.39
Min: 0.55

APD’s Current Ratio of 1.29 falls into the lower quartile for the Chemicals industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

CB

0.16

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

APD vs. CB: A comparison of their Current Ratio (MRQ) against their respective Chemicals and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

APD

1.14

Chemicals Industry

Max: 1.65
Q3: 0.94
Median: 0.65
Q1: 0.41
Min: 0.00

APD’s leverage is in the upper quartile of the Chemicals industry, with a Debt-to-Equity Ratio of 1.14. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

CB

0.23

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

APD vs. CB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Chemicals and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

APD

709.00

Chemicals Industry

Max: 56.43
Q3: 26.33
Median: 9.38
Q1: 3.10
Min: -9.39

With an Interest Coverage Ratio of 709.00, APD demonstrates a superior capacity to service its debt, placing it well above the typical range for the Chemicals industry. This stems from either robust earnings or a conservative debt load.

CB

11.61

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

APD vs. CB: A comparison of their Interest Coverage Ratio (TTM) against their respective Chemicals and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	APD	CB
Current Ratio (MRQ)	1.29	0.16
Quick Ratio (MRQ)	1.07	0.00
Debt-to-Equity Ratio (MRQ)	1.14	0.23
Interest Coverage Ratio (TTM)	709.00	11.61

Growth

Revenue Growth

APD vs. CB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

APD vs. CB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

APD

2.43%

Chemicals Industry

Max: 6.56%
Q3: 4.04%
Median: 2.47%
Q1: 1.45%
Min: 0.00%

APD’s Dividend Yield of 2.43% is consistent with its peers in the Chemicals industry, providing a dividend return that is standard for its sector.

CB

1.32%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

CB’s Dividend Yield of 1.32% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

APD vs. CB: A comparison of their Dividend Yield (TTM) against their respective Chemicals and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

APD

36.13%

Chemicals Industry

Max: 181.25%
Q3: 95.01%
Median: 53.52%
Q1: 26.59%
Min: 0.00%

APD’s Dividend Payout Ratio of 36.13% is within the typical range for the Chemicals industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CB

15.97%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

CB’s Dividend Payout Ratio of 15.97% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

APD vs. CB: A comparison of their Dividend Payout Ratio (TTM) against their respective Chemicals and Insurance industry benchmarks.

Dividend at a Glance

Symbol	APD	CB
Dividend Yield (TTM)	2.43%	1.32%
Dividend Payout Ratio (TTM)	36.13%	15.97%

Valuation

Price-to-Earnings Ratio (TTM)

APD

41.92

Chemicals Industry

Max: 42.94
Q3: 29.77
Median: 20.37
Q1: 14.27
Min: 6.19

A P/E Ratio of 41.92 places APD in the upper quartile for the Chemicals industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CB

12.10

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

CB’s P/E Ratio of 12.10 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

APD vs. CB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Chemicals and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

APD

5.39

Chemicals Industry

Max: 4.36
Q3: 2.23
Median: 1.01
Q1: 0.55
Min: 0.16

With a P/S Ratio of 5.39, APD trades at a valuation that eclipses even the highest in the Chemicals industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

CB

1.94

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

CB’s P/S Ratio of 1.94 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

APD vs. CB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Chemicals and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

APD

4.04

Chemicals Industry

Max: 4.92
Q3: 2.56
Median: 1.54
Q1: 0.97
Min: 0.30

APD’s P/B Ratio of 4.04 is in the upper tier for the Chemicals industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CB

1.67

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

CB’s P/B Ratio of 1.67 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

APD vs. CB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Chemicals and Insurance industry benchmarks.

Valuation at a Glance

Symbol	APD	CB
Price-to-Earnings Ratio (TTM)	41.92	12.10
Price-to-Sales Ratio (TTM)	5.39	1.94
Price-to-Book Ratio (MRQ)	4.04	1.67
Price-to-Free Cash Flow Ratio (TTM)	117.38	7.95