CB vs. GL: Chubb vs. Globe Life Stock Comparison
How do Chubb (CB) and Globe Life (GL) 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 Globe Life (GL) both belong to the Insurance industry, though CB is classified under Property & Casualty Insurance while GL falls under Life & Health Insurance.
| Profile Item | CB | GL |
|---|---|---|
| Name | Chubb Limited | Globe Life 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 | Life & Health Insurance |
| Market Capitalization | 139.47 billion USD | 11.86 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 25, 1993 | October 1, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CB | GL |
|---|---|---|
| Total Return (1Y) | 27.51% | 22.37% |
| Total Return (3Y, Annualized) | 19.71% | 12.75% |
| Total Return (5Y, Annualized) | 14.93% | 12.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CB | GL |
|---|---|---|
| Volatility (1Y, Annualized) | 19.45% | 21.23% |
| Beta (5Y) | 0.28 | 0.46 |
| Max Drawdown (5Y) | -19.26% | -61.62% |
| Avg. Volume (3M) | 1.60M | 504.63K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CB | GL |
|---|---|---|
| Sharpe Ratio (1Y) | 1.19 | 0.85 |
| Sortino Ratio (1Y) | 1.92 | 1.13 |
Profitability
ROE (TTM)
Both Chubb (CB) at 14.25% and Globe Life (GL) at 19.26% 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%
GL
Insurance industry group
19.26%
- Max
- 41.68%
- Q3
- 22.04%
- GL
- 19.26%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
For every dollar of sales, both Chubb (CB) at 18.13% and Globe Life (GL) at 18.89% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
CB
Insurance industry group
18.13%
- Max
- 29.92%
- CB
- 18.13%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
GL
Insurance industry group
18.89%
- Max
- 29.92%
- GL
- 18.89%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Chubb (CB) in Insurance and Globe Life (GL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CB | GL |
|---|---|---|
| ROE (TTM) | 14.25% | 19.26% |
| ROA (TTM) | 3.11% | 3.32% |
| Net Margin (TTM) | 18.13% | 18.89% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Chubb (CB) at 6.98% and Globe Life (GL) at 3.74% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Chubb (CB) at 14.08% and Globe Life (GL) at 17.84% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CB | GL |
|---|---|---|
| Revenue Growth (YoY) | 6.98% | 3.74% |
| Revenue Growth (3Y CAGR) | 11.81% | 4.67% |
| EPS Growth (YoY) | 14.08% | 17.84% |
| EPS Growth (3Y CAGR) | 26.96% | 23.50% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chubb (CB) in Insurance and Globe Life (GL) 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 Globe Life (GL) 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 | GL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Chubb (CB) at 1.07% and Globe Life (GL) at 0.79% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CB
Insurance industry group
1.07%
- Max
- 5.12%
- Q3
- 2.15%
- CB
- 1.07%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
GL
Insurance industry group
0.79%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- GL
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Chubb (CB) at 13.95% and Globe Life (GL) at 8.43% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CB
Insurance industry group
13.95%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- CB
- 13.95%
- Q1
- 0.00%
- Min
- 0.00%
GL
Insurance industry group
8.43%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- GL
- 8.43%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CB | GL |
|---|---|---|
| Dividend Yield (TTM) | 1.07% | 0.79% |
| Dividend Payout Ratio (TTM) | 13.95% | 8.43% |
Valuation
P/E Ratio (TTM)
Both Chubb (CB) at 12.79 and Globe Life (GL) at 10.52 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
GL
Insurance industry group
10.52
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- GL
- 10.52
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Chubb (CB) at 2.25 and Globe Life (GL) at 1.89 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
CB
Insurance industry group
2.25
- Max
- 4.03
- CB
- 2.25
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
GL
Insurance industry group
1.89
- Max
- 4.03
- Q3
- 2.25
- GL
- 1.89
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Chubb (CB) at 1.91 and Globe Life (GL) at 1.81 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
GL
Insurance industry group
1.81
- Max
- 5.07
- Q3
- 2.79
- GL
- 1.81
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | CB | GL |
|---|---|---|
| P/E Ratio (TTM) | 12.79 | 10.52 |
| P/S Ratio (TTM) | 2.25 | 1.89 |
| P/B Ratio (MRQ) | 1.91 | 1.81 |
| Free Cash Flow Yield (TTM) | -- | -- |