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CB vs PGR

CB
Chubb Limited
BULLISH
Price
$329.99
Market Cap
$129.06B
Sector
Financial Services
AI Confidence
85%
PGR
The Progressive Corporation
BULLISH
Price
$193.45
Market Cap
$113.34B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
CB
12.86
PGR
10.06
Forward P/E
CB
11.32
PGR
12.0
P/B Ratio
CB
1.75
PGR
3.74
P/S Ratio
CB
2.16
PGR
1.29
EV/EBITDA
CB
11.48
PGR
7.64

Profitability

Gross Margin
CB
29.55%
PGR
18.55%
Operating Margin
CB
24.24%
PGR
16.5%
Profit Margin
CB
17.29%
PGR
12.9%
ROE
CB
14.34%
PGR
40.45%
ROA
CB
3.12%
PGR
7.92%

Growth

Revenue Growth
CB
5.5%
PGR
12.2%
Earnings Growth
CB
27.9%
PGR
25.2%

Financial Health

Debt/Equity
CB
0.31
PGR
0.23
Current Ratio
CB
0.38
PGR
0.36
Quick Ratio
CB
0.18
PGR
0.3

Dividends

Dividend Yield
CB
1.17%
PGR
7.01%
Payout Ratio
CB
14.88%
PGR
72.28%

AI Verdict

CB BULLISH

CB exhibits a stable financial profile with a Piotroski F-Score of 4/9 and a current price ($329.99) aligned almost perfectly with its Graham Number ($330.04), providing a strong defensive floor. The company demonstrates exceptional earnings power with 27.9% YoY growth and a consistent track record of beating estimates over 25 quarters. While insider sentiment is bearish and technical trends are currently weak, the low P/E ratio relative to the sector and strong ROE suggest significant fundamental value. The substantial gap between the defensive fair value and the growth-based intrinsic value ($757.27) indicates long-term upside potential.

Strengths
Exceptional earnings growth (27.9% YoY) and consistent EPS beats
Attractive valuation with a P/E of 12.86, significantly below sector average
Strong balance sheet with low Debt/Equity ratio of 0.31
Risks
Bearish insider activity with $24.89M in sales and zero buys
Weak technical trend (10/100) suggesting short-term momentum headwinds
Low current ratio (0.38), though typical for the insurance industry
PGR BULLISH

PGR shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 10.1
Low debt with D/E ratio of 0.23
Strong ROE of 40.4%
Risks
Limited historical data available for full assessment

Compare Another Pair

CB vs PGR: Head-to-Head Comparison

This page compares Chubb Limited (CB) and The Progressive Corporation (PGR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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