CB vs. FNF: Chubb vs. Fidelity National Financial Stock Comparison
How do Chubb (CB) and Fidelity National Financial (FNF) 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
Chubb (CB) and Fidelity National Financial (FNF) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | CB | FNF |
|---|---|---|
| Name | Chubb Limited | Fidelity National Financial, Inc. |
| Country/Region | Switzerland | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Property & Casualty Insurance |
| Market Capitalization | 139.47 billion USD | 11.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 25, 1993 | October 14, 2005 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CB | FNF |
|---|---|---|
| Total Return (1Y) | 27.51% | -16.26% |
| Total Return (3Y, Annualized) | 19.71% | 5.52% |
| Total Return (5Y, Annualized) | 14.93% | 2.84% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CB | FNF |
|---|---|---|
| Volatility (1Y, Annualized) | 19.45% | 27.95% |
| Beta (5Y) | 0.28 | 0.91 |
| Max Drawdown (5Y) | -19.26% | -36.69% |
| Avg. Volume (3M) | 1.60M | 2.46M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CB | FNF |
|---|---|---|
| Sharpe Ratio (1Y) | 1.19 | -0.73 |
| Sortino Ratio (1Y) | 1.92 | -1.00 |
Profitability
ROE (TTM)
Both Chubb (CB) at 14.25% and Fidelity National Financial (FNF) at 15.10% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
CB
Insurance industry group
14.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- CB
- 14.25%
- Q1
- 8.79%
- Min
- -10.66%
FNF
Insurance industry group
15.10%
- Max
- 41.68%
- Q3
- 22.04%
- FNF
- 15.10%
- Median
- 14.81%
- 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 Fidelity National Financial (FNF) at 7.00%, which keeps about the industry-typical share.
CB
Insurance industry group
18.13%
- Max
- 29.92%
- CB
- 18.13%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
FNF
Insurance industry group
7.00%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- FNF
- 7.00%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Chubb (CB) in Insurance and Fidelity National Financial (FNF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CB | FNF |
|---|---|---|
| ROE (TTM) | 14.25% | 15.10% |
| ROA (TTM) | 3.11% | 1.54% |
| Net Margin (TTM) | 18.13% | 7.00% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Chubb (CB) at 6.98% and Fidelity National Financial (FNF) at 5.88% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Chubb (CB) at 14.08% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CB | FNF |
|---|---|---|
| Revenue Growth (YoY) | 6.98% | 5.88% |
| Revenue Growth (3Y CAGR) | 11.81% | 7.27% |
| EPS Growth (YoY) | 14.08% | -52.47% |
| EPS Growth (3Y CAGR) | 26.96% | -18.62% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chubb (CB) in Insurance and Fidelity National Financial (FNF) 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: Chubb (CB) in Insurance and Fidelity National Financial (FNF) 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 | CB | FNF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Chubb (CB) at 1.07% pays a more typical yield — both are credible income propositions, FNF the richer one.
CB
Insurance industry group
1.07%
- Max
- 5.12%
- Q3
- 2.15%
- CB
- 1.07%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
FNF
Insurance industry group
4.85%
- Max
- 5.12%
- FNF
- 4.85%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Chubb (CB) at 13.95% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.
CB
Insurance industry group
13.95%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- CB
- 13.95%
- Q1
- 0.00%
- Min
- 0.00%
FNF
Insurance industry group
53.20%
- Max
- 76.67%
- FNF
- 53.20%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CB | FNF |
|---|---|---|
| Dividend Yield (TTM) | 1.07% | 4.85% |
| Dividend Payout Ratio (TTM) | 13.95% | 53.20% |
Valuation
P/E Ratio (TTM)
Both Chubb (CB) at 12.79 and Fidelity National Financial (FNF) at 11.21 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
CB
Insurance industry group
12.79
- Max
- 28.37
- Q3
- 18.75
- CB
- 12.79
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
FNF
Insurance industry group
11.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- FNF
- 11.21
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Fidelity National Financial (FNF) at 0.79 sits in the cheaper P/S ratio quartile while Chubb (CB) at 2.25 prices around its industry’s middle — FNF costs less per dollar of sales, though read it alongside growth and margins.
CB
Insurance industry group
2.25
- Max
- 4.03
- CB
- 2.25
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
FNF
Insurance industry group
0.79
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- FNF
- 0.79
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Chubb (CB) at 1.91 and Fidelity National Financial (FNF) at 1.59 are valued close to their industries’ norm against book — neither stands out from peers.
CB
Insurance industry group
1.91
- Max
- 5.07
- Q3
- 2.79
- CB
- 1.91
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
FNF
Insurance industry group
1.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- FNF
- 1.59
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | CB | FNF |
|---|---|---|
| P/E Ratio (TTM) | 12.79 | 11.21 |
| P/S Ratio (TTM) | 2.25 | 0.79 |
| P/B Ratio (MRQ) | 1.91 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |