BRO vs. CB: Brown & Brown vs. Chubb Stock Comparison

November 11, 2026

How do Brown & Brown (BRO) 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

Brown & Brown (BRO) and Chubb (CB) both belong to the Insurance industry, though BRO is classified under Insurance Brokers while CB falls under Property & Casualty Insurance.

Company profile comparison for Brown & Brown (BRO) and Chubb (CB)
Profile Item	BRO	CB
Name	Brown & Brown Inc.	Chubb Limited
Country/Region	United States	Switzerland
GICS Sector	Financials	Financials
GICS Industry Group	Insurance	Insurance
GICS Industry	Insurance	Insurance
GICS Sub-Industry	Insurance Brokers	Property & Casualty Insurance
Market Capitalization	23.92 billion USD	139.47 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	February 11, 1981	March 25, 1993
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

BRO

GSPC

Brown & Brown (BRO) vs. Chubb (CB), with S&P 500 (GSPC) for reference: 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 Brown & Brown (BRO) and Chubb (CB). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Brown & Brown (BRO) and Chubb (CB). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Total Return (1Y)	-8.59%	27.51%
Total Return (3Y, Annualized)	0.40%	19.71%
Total Return (5Y, Annualized)	3.19%	14.93%

Risk Profile

Drawdown History

BRO

GSPC

Brown & Brown (BRO) vs. Chubb (CB), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Brown & Brown (BRO) and Chubb (CB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Volatility (1Y, Annualized)	32.50%	19.45%
Beta (5Y)	0.51	0.28
Max Drawdown (5Y)	-55.85%	-19.26%
Avg. Volume (3M)	2.25M	1.60M

Risk-Adjusted Performance

Risk-Return Positioning

BRO and CB are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Sharpe Ratio (1Y)	-0.40	1.19
Sortino Ratio (1Y)	-0.57	1.92

Profitability

ROE (TTM)

Both Brown & Brown (BRO) at 9.80% and Chubb (CB) at 14.25% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

BRO

Insurance industry group

9.80%

Max: 41.68%
Q3: 22.04%
Median: 14.81%
BRO: 9.80%
Q1: 8.79%
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%

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Brown & Brown (BRO) at 17.88% and Chubb (CB) at 18.13% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

BRO

Insurance industry group

17.88%

Max: 29.92%
BRO: 17.88%
Q3: 17.03%
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%

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Brown & Brown (BRO) 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

Profitability metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
ROE (TTM)	9.80%	14.25%
ROA (TTM)	3.89%	3.11%
Net Margin (TTM)	17.88%	18.13%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while Chubb (CB) at 6.98% is closer to the peer norm — faster top-line expansion for BRO.

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Brown & Brown (BRO) at -8.67% and Chubb (CB) at 14.08% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Revenue Growth (YoY)	22.49%	6.98%
Revenue Growth (3Y CAGR)	17.38%	11.81%
EPS Growth (YoY)	-8.67%	14.08%
EPS Growth (3Y CAGR)	10.06%	26.96%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Brown & Brown (BRO) 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: Brown & Brown (BRO) 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

Financial strength metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Brown & Brown (BRO) at 0.89% and Chubb (CB) at 1.07% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

BRO

Insurance industry group

0.89%

Max: 5.12%
Q3: 2.15%
Median: 0.98%
BRO: 0.89%
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%

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Brown & Brown (BRO) at 20.89% 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.

BRO

Insurance industry group

20.89%

Max: 76.67%
Q3: 35.18%
BRO: 20.89%
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%

Brown & Brown (BRO) vs. Chubb (CB): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
Dividend Yield (TTM)	0.89%	1.07%
Dividend Payout Ratio (TTM)	20.89%	13.95%

Valuation

P/E Ratio (TTM)

Chubb (CB) at 12.79 is near its industry’s usual P/E ratio, while Brown & Brown (BRO) at 22.82 sits in the richer quartile — BRO needs stronger growth or earnings quality to justify the premium.

BRO

Insurance industry group

22.82

Max: 28.37
BRO: 22.82
Q3: 18.75
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

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

P/S Ratio (TTM)

Chubb (CB) at 2.25 is priced about in line with its industry on P/S ratio, while Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of sales.

BRO

Insurance industry group

3.51

Max: 4.03
BRO: 3.51
Q3: 2.25
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

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

P/B Ratio (MRQ)

On P/B ratio, both Brown & Brown (BRO) at 1.87 and Chubb (CB) at 1.91 are valued close to their industries’ norm against book — neither stands out from peers.

BRO

Insurance industry group

1.87

Max: 5.07
Q3: 2.79
BRO: 1.87
Median: 1.76
Q1: 1.23
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

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

Valuation Metrics

Valuation metrics for Brown & Brown (BRO) and Chubb (CB)
Metric	BRO	CB
P/E Ratio (TTM)	22.82	12.79
P/S Ratio (TTM)	3.51	2.25
P/B Ratio (MRQ)	1.87	1.91
Free Cash Flow Yield (TTM)	--	--