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

Updated on August 22, 2025

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

Company Profile

Symbol	CB	UPST
Company Name	Chubb Limited	Upstart Holdings, Inc.
Country	Switzerland	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Consumer Finance
Market Capitalization	109.66 billion USD	6.43 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	March 25, 1993	December 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CB and UPST 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.

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

Historical Performance at a Glance

Symbol	CB	UPST
5-Day Price Return	2.13%	-3.88%
13-Week Price Return	-5.04%	26.19%
26-Week Price Return	0.79%	2.59%
52-Week Price Return	2.63%	95.52%
Month-to-Date Return	3.38%	-18.24%
Year-to-Date Return	-0.46%	8.54%
10-Day Avg. Volume	1.66M	9.91M
3-Month Avg. Volume	1.79M	6.77M
3-Month Volatility	18.61%	75.42%
Beta	0.57	2.43

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.

UPST

-0.97%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

UPST has a negative Return on Equity of -0.97%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

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

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.

UPST

-0.75%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

UPST has a negative Net Profit Margin of -0.75%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

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

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.

UPST

-1.94%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

UPST has a negative Operating Profit Margin of -1.94%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

Symbol	CB	UPST
Return on Equity (TTM)	13.89%	-0.97%
Return on Assets (TTM)	3.64%	-0.28%
Net Profit Margin (TTM)	16.08%	-0.75%
Operating Profit Margin (TTM)	20.15%	-1.94%
Gross Profit Margin (TTM)	--	80.43%

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.

UPST

1.48

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

CB vs. UPST: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

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.

UPST

1.98

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

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

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.

UPST

-15.69

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

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

Financial Strength at a Glance

Symbol	CB	UPST
Current Ratio (MRQ)	0.16	1.48
Quick Ratio (MRQ)	0.00	1.48
Debt-to-Equity Ratio (MRQ)	0.23	1.98
Interest Coverage Ratio (TTM)	11.61	-15.69

Growth

Revenue Growth

CB vs. UPST: 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

CB vs. UPST: 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)

CB

1.34%

Insurance Industry

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

CB’s Dividend Yield of 1.34% 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.

UPST

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

UPST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

CB vs. UPST: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

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.

UPST

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

UPST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

Symbol	CB	UPST
Dividend Yield (TTM)	1.34%	0.00%
Dividend Payout Ratio (TTM)	15.97%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

CB

11.92

Insurance Industry

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

CB’s P/E Ratio of 11.92 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.

UPST

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

P/E Ratio data for UPST is currently unavailable.

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

Price-to-Sales Ratio (TTM)

CB

1.92

Insurance Industry

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

CB’s P/S Ratio of 1.92 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.

UPST

7.55

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

With a P/S Ratio of 7.55, UPST trades at a valuation that eclipses even the highest in the Consumer Finance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

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

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.

UPST

8.52

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

At 8.52, UPST’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

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

Valuation at a Glance

Symbol	CB	UPST
Price-to-Earnings Ratio (TTM)	11.92	--
Price-to-Sales Ratio (TTM)	1.92	7.55
Price-to-Book Ratio (MRQ)	1.67	8.52
Price-to-Free Cash Flow Ratio (TTM)	7.83	22.12