Safety Insurance [SAFT] vs Chubb [CB] Detailed Stock Comparison

Safety Insurance Group Inc.

NASDAQ
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Chubb Ltd.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Safety Insurance Group Inc. wins in 10 metrics, Chubb Ltd. wins in 10 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Safety Insurance Group Inc. Chubb Ltd. Better
P/E Ratio (TTM) 11.36 11.64 Safety Insurance Group Inc.
Price-to-Book Ratio 1.25 1.75 Safety Insurance Group Inc.
Debt-to-Equity Ratio 6.93 30.94 Safety Insurance Group Inc.
PEG Ratio 0.08 0.42 Safety Insurance Group Inc.
EV/EBITDA 8.16 11.46 Safety Insurance Group Inc.
Profit Margin (TTM) 7.85% 17.29% Chubb Ltd.
Operating Margin (TTM) 8.13% 24.24% Chubb Ltd.
EBITDA Margin (TTM) 8.13% 24.24% Chubb Ltd.
Return on Equity 11.54% 14.34% Chubb Ltd.
Return on Assets (TTM) 3.38% 3.12% Safety Insurance Group Inc.
Free Cash Flow (TTM) $191.99M $12.82B Chubb Ltd.
Dividend Yield 5.81% 0.59% Safety Insurance Group Inc.
1-Year Return -8.81% 14.42% Chubb Ltd.
Price-to-Sales Ratio (TTM) 0.88 2.16 Safety Insurance Group Inc.
Enterprise Value $1.10B $152.07B Chubb Ltd.
EV/Revenue Ratio 0.87 2.55 Safety Insurance Group Inc.
Revenue per Share (TTM) $86 $150 Chubb Ltd.
Earnings per Share (Diluted) $6.70 $28.29 Chubb Ltd.
Beta (Stock Volatility) 0.22 0.50 Safety Insurance Group Inc.
Short % of Float 1.85% 1.03% Chubb Ltd.

Safety Insurance Group Inc. vs Chubb Ltd. Stock Performance Analysis

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SAFT
CB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Safety Insurance Group Inc.-0.49%2.36%0.61%-2.82%-8.58%-5.61%
Chubb Ltd.-0.36%1.58%0.86%-0.96%4.59%5.45%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Safety Insurance Group Inc.-8.81%-2.07%-8.73%19.25%71.84%57.13%
Chubb Ltd.14.42%68.33%110.33%164.78%410.25%575.19%

Performance & Financial Health Analysis: Safety Insurance Group Inc. vs Chubb Ltd.

MetricSAFTCB
Market Information
Market Cap i$1.12B$130.19B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i83,3251,559,588
90 Day Avg. Volume i95,4021,636,379
Last Close$71.46$326.95
52 Week Range$67.04 - $81.49$264.10 - $345.67
% from 52W High-12.31%-5.42%
All-Time High$103.96 (Sep 23, 2019)$345.67 (Mar 02, 2026)
% from All-Time High-31.26%-5.42%
Growth Metrics
Quarterly Revenue Growth0.11%0.06%
Quarterly Earnings Growth1.47%0.25%
Financial Health
Profit Margin (TTM) i0.08%0.17%
Operating Margin (TTM) i0.08%0.24%
Return on Equity (TTM) i0.12%0.14%
Debt to Equity (MRQ) i6.9330.94
Cash & Liquidity
Book Value per Share (MRQ)$60.99$188.59
Cash per Share (MRQ)$5.05$18.23
Operating Cash Flow (TTM) i$194.50M$12.82B
Levered Free Cash Flow (TTM) i$204.97M$12.14B
Dividends
Last 12-Month Dividend Yield i5.81%0.59%
Last 12-Month Dividend i$4.56$1.94

Valuation & Enterprise Metrics Analysis: Safety Insurance Group Inc. vs Chubb Ltd.

MetricSAFT (Apr 26, 2026)CB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.3611.64
Forward P/E i12.1811.29
PEG Ratio i0.080.42
Price to Sales (TTM) i0.882.16
Price to Book (MRQ) i1.251.75
Market Capitalization
Market Capitalization i$1.12B$130.19B
Enterprise Value i$1.10B$152.07B
Enterprise Value Metrics
Enterprise to Revenue i0.872.55
Enterprise to EBITDA i8.1611.46
Risk & Other Metrics
Beta i0.220.50
Book Value per Share (MRQ) i$60.99$188.59

Financial Statements Comparison: Safety Insurance Group Inc. vs Chubb Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSAFT (2025)CB (2025)
Revenue/Sales i1.25B59.78B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i126.68M13.04B
Pre-Tax Income % of Revenue i10.1%21.8%
Income Tax i27.43M2.42B
Income Tax % of Revenue i2.2%4.1%
Net Income (Profit) i99.26M10.62B
Profit Margin i7.9%17.8%

Balance Sheet & Liquidity Metrics

MetricSAFT (2025)CB (2025)
Cash & Equivalents i73.90M2.27B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i11.86M15.73B
Long-Term Debt % of Revenue i0.9%26.3%
Total Shareholders Equity i892.31M79.78B
Retained Earnings i844.06M69.95B
Retained Earnings % of Revenue i67.3%117.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSAFT (2025)CB (2025)
Operating Cash Flow i86.33M9.94B
Operating Cash Flow % of Revenue i6.9%16.6%
Capital Expenditures i-2.51MN/A
Free Cash Flow i191.99M12.82B
FCF Margin i15.3%21.4%
Debt Repayment i-30.00M-800.00M
Common Stock Repurchase i-20.00M-3.69B

Short Interest & Institutional Ownership Analysis

MetricSAFTCB
Shares Short i161,8553.98M
Short Ratio i1.772.17
Short % of Float i1.85%1.03%
Shares Outstanding i14.63M391.10M
Float Shares i14.30M353.59M
% Held by Insiders i2.12%9.45%
% Held by Institutions i86.25%84.38%
% Held by Public i11.63%6.17%

Dividend Analysis & Yield Comparison: Safety Insurance Group Inc. vs Chubb Ltd.

MetricSAFTCB
Last 12-Month Dividend i$4.56$1.94
Last 12-Month Dividend Yield i5.81%0.59%
3-Year Avg Annual Dividend i$3.92$3.01
3-Year Avg Dividend Yield i1.17%0.35%
3-Year Total Dividends i$11.76$9.02
Ex-Dividend DateMar 02, 2026Mar 13, 2026