CB vs. RY: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CB and RY, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CB | RY |
|---|---|---|
| Company Name | Chubb Limited | Royal Bank of Canada |
| Country | Switzerland | Canada |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Banks |
| Market Capitalization | 111.51 billion USD | 193.37 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 25, 1993 | October 16, 1995 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CB and RY 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.
Historical Performance at a Glance
| Symbol | CB | RY |
|---|---|---|
| 5-Day Price Return | -0.45% | 1.07% |
| 13-Week Price Return | -6.98% | 7.50% |
| 26-Week Price Return | 3.29% | 11.77% |
| 52-Week Price Return | 0.14% | 22.93% |
| Month-to-Date Return | 2.92% | 6.32% |
| Year-to-Date Return | -0.90% | 9.06% |
| 10-Day Avg. Volume | 1.56M | 2.86M |
| 3-Month Avg. Volume | 1.75M | 4.46M |
| 3-Month Volatility | 16.59% | 12.15% |
| Beta | 0.56 | 0.04 |
Profitability
Return on Equity (TTM)
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.
RY
14.09%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
RY’s Return on Equity of 14.09% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
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.
RY
26.26%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
RY’s Net Profit Margin of 26.26% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
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.
RY
34.59%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
RY’s Operating Profit Margin of 34.59% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | CB | RY |
|---|---|---|
| Return on Equity (TTM) | 13.89% | 14.09% |
| Return on Assets (TTM) | 3.64% | 0.84% |
| Net Profit Margin (TTM) | 16.08% | 26.26% |
| Operating Profit Margin (TTM) | 20.15% | 34.59% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
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.
RY
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
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.
RY
2.58
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
Interest Coverage Ratio (TTM)
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.
RY
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
Financial Strength at a Glance
| Symbol | CB | RY |
|---|---|---|
| Current Ratio (MRQ) | 0.16 | -- |
| Quick Ratio (MRQ) | 0.00 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.23 | 2.58 |
| Interest Coverage Ratio (TTM) | 11.61 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
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.
RY
3.17%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
RY’s Dividend Yield of 3.17% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
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.
RY
46.36%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
RY’s Dividend Payout Ratio of 46.36% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CB | RY |
|---|---|---|
| Dividend Yield (TTM) | 1.32% | 3.17% |
| Dividend Payout Ratio (TTM) | 15.97% | 46.36% |
Valuation
Price-to-Earnings Ratio (TTM)
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.
RY
14.63
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
A P/E Ratio of 14.63 places RY in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
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.
RY
3.00
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
Price-to-Book Ratio (MRQ)
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.
RY
1.76
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
RY’s P/B Ratio of 1.76 is in the upper tier for the Banks 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.
Valuation at a Glance
| Symbol | CB | RY |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 12.10 | 14.63 |
| Price-to-Sales Ratio (TTM) | 1.94 | 3.00 |
| Price-to-Book Ratio (MRQ) | 1.67 | 1.76 |
| Price-to-Free Cash Flow Ratio (TTM) | 7.95 | 3.38 |