United Fire [UFCS] vs Chubb [CB] Detailed Stock Comparison
United Fire
NASDAQ
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Chubb
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: United Fire wins in 10 metrics, Chubb wins in 9 metrics, with 0 ties. United Fire appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | United Fire | Chubb | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.02 | 12.28 | United Fire |
| Price-to-Book Ratio | 0.95 | 1.60 | United Fire |
| Debt-to-Equity Ratio | 13.85 | 28.98 | United Fire |
| PEG Ratio | -0.01 | 0.36 | United Fire |
| EV/EBITDA | 5.32 | 11.45 | United Fire |
| Profit Margin (TTM) | 6.94% | 16.00% | Chubb |
| Operating Margin (TTM) | 9.45% | 22.32% | Chubb |
| EBITDA Margin (TTM) | 9.45% | 22.32% | Chubb |
| Return on Equity | 11.68% | 13.63% | Chubb |
| Return on Assets (TTM) | 2.22% | 2.78% | Chubb |
| Free Cash Flow (TTM) | $328.43M | $16.18B | Chubb |
| Dividend Yield | 2.62% | 0.97% | United Fire |
| 1-Year Return | 51.31% | -5.62% | United Fire |
| Price-to-Sales Ratio (TTM) | 0.61 | 1.93 | United Fire |
| Enterprise Value | $721.58M | $130.81B | Chubb |
| EV/Revenue Ratio | 0.55 | 2.28 | United Fire |
| Revenue per Share (TTM) | $52 | $143 | Chubb |
| Earnings per Share (Diluted) | $3.51 | $22.64 | Chubb |
| Beta (Stock Volatility) | 0.57 | 0.57 | United Fire |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
United Fire vs Chubb Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| United Fire | -2.17% | 2.74% | 3.78% | 12.48% | 9.54% | 11.73% |
| Chubb | -0.84% | -1.13% | 0.04% | -4.22% | -7.76% | 0.66% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| United Fire | 51.31% | 9.05% | 60.95% | -9.88% | 49.46% | -22.97% |
| Chubb | -5.62% | 52.16% | 140.96% | 165.26% | 372.58% | 497.93% |
News Based Sentiment: United Fire vs Chubb
United Fire
News based Sentiment: POSITIVE
September was a largely positive month for United Fire Group, with a new 52-week high, strong growth projections from Zacks, and continued institutional investment. While some technical indicators suggest short-term caution, the overall narrative points to a strengthening investment case.
Chubb
News based Sentiment: MIXED
September presented a mixed bag for Chubb, with impressive Q2 earnings overshadowed by potential losses from California wildfires and a divergence in analyst opinions. While the company continues to return capital to shareholders and expand geographically, the uncertainty surrounding the wildfire impact and fluctuating analyst ratings create a cautious outlook for investors.
Performance & Financial Health Analysis: United Fire vs Chubb
| Metric | UFCS | CB |
|---|---|---|
| Market Information | ||
| Market Cap | $806.82M | $110.88B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 116,550 | 1,607,120 |
| 90 Day Avg. Volume | 123,647 | 1,640,107 |
| Last Close | $31.13 | $272.02 |
| 52 Week Range | $19.19 - $32.22 | $252.16 - $306.91 |
| % from 52W High | -3.38% | -11.37% |
| All-Time High | $61.56 (Jul 23, 2018) | $306.91 (Mar 31, 2025) |
| % from All-Time High | -49.43% | -11.37% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.11% | 0.08% |
| Quarterly Earnings Growth | 0.12% | 0.33% |
| Financial Health | ||
| Profit Margin (TTM) | 0.07% | 0.16% |
| Operating Margin (TTM) | 0.09% | 0.22% |
| Return on Equity (TTM) | 0.12% | 0.14% |
| Debt to Equity (MRQ) | 13.85 | 28.98 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $33.18 | $174.07 |
| Cash per Share (MRQ) | $7.94 | $16.80 |
| Operating Cash Flow (TTM) | $301.86M | $14.00B |
| Levered Free Cash Flow (TTM) | $286.58M | $12.82B |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.62% | 0.97% |
| Last 12-Month Dividend | $0.80 | $2.73 |
Valuation & Enterprise Metrics Analysis: United Fire vs Chubb
| Metric | UFCS | CB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.02 | 12.28 |
| Forward P/E | 17.11 | 11.78 |
| PEG Ratio | -0.01 | 0.36 |
| Price to Sales (TTM) | 0.61 | 1.93 |
| Price to Book (MRQ) | 0.95 | 1.60 |
| Market Capitalization | ||
| Market Capitalization | $806.82M | $110.88B |
| Enterprise Value | $721.58M | $130.81B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.55 | 2.28 |
| Enterprise to EBITDA | 5.32 | 11.45 |
| Risk & Other Metrics | ||
| Beta | 0.57 | 0.57 |
| Book Value per Share (MRQ) | $33.18 | $174.07 |
Financial Statements Comparison: United Fire vs Chubb
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UFCS | CB |
|---|---|---|
| Revenue/Sales | $331.11M | $14.90B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $21.85M | $3.72B |
| Income Tax | $4.15M | $717.00M |
| Net Income (Profit) | $17.70M | $3.00B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UFCS | CB |
|---|---|---|
| Cash & Equivalents | $183.68M | $2.19B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | N/A | $13.48B |
| Total Shareholders Equity | $817.66M | $74.45B |
| Retained Earnings | $634.00M | $63.92B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UFCS | CB |
|---|---|---|
| Operating Cash Flow | $32.75M | $2.15B |
| Capital Expenditures | $-2.50M | N/A |
| Free Cash Flow | $33.18M | $3.55B |
| Debt Repayment | N/A | $0 |
| Common Stock Repurchase | $-732,000 | $-746.00M |
Short Interest & Institutional Ownership Analysis
| Metric | UFCS | CB |
|---|---|---|
| Shares Short | 288,971 | 3.33M |
| Short Ratio | 2.15 | 1.91 |
| Short % of Float | 0.02% | 0.01% |
| Average Daily Volume (10 Day) | 116,550 | 1,607,120 |
| Average Daily Volume (90 Day) | 123,647 | 1,640,107 |
| Shares Outstanding | 25.38M | 400.70M |
| Float Shares | 22.05M | 369.51M |
| % Held by Insiders | 0.18% | 0.07% |
| % Held by Institutions | 0.67% | 0.84% |
Dividend Analysis & Yield Comparison: United Fire vs Chubb
| Metric | UFCS | CB |
|---|---|---|
| Last 12-Month Dividend | $0.80 | $2.73 |
| Last 12-Month Dividend Yield | 2.62% | 0.97% |
| 3-Year Avg Annual Dividend | $0.69 | $3.19 |
| 3-Year Avg Dividend Yield | 0.64% | 0.38% |
| 3-Year Total Dividends | $2.08 | $9.57 |
| Ex-Dividend Date | Aug 29, 2025 | Mar 14, 2025 |