United Fire [UFCS] vs Chubb [CB] Detailed Stock Comparison

United Fire Group, Inc.

NASDAQ
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Chubb Ltd.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: United Fire Group, Inc. wins in 9 metrics, Chubb Ltd. wins in 10 metrics, with 1 ties. Chubb Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric United Fire Group, Inc. Chubb Ltd. Better
P/E Ratio (TTM) 8.92 11.64 United Fire Group, Inc.
Price-to-Book Ratio 1.08 1.75 United Fire Group, Inc.
Debt-to-Equity Ratio 16.93 30.94 United Fire Group, Inc.
PEG Ratio 0.42 0.42 Tie
EV/EBITDA 6.02 11.46 United Fire Group, Inc.
Profit Margin (TTM) 8.53% 17.29% Chubb Ltd.
Operating Margin (TTM) 14.05% 24.24% Chubb Ltd.
EBITDA Margin (TTM) 14.05% 24.24% Chubb Ltd.
Return on Equity 13.72% 14.34% Chubb Ltd.
Return on Assets (TTM) 2.72% 3.12% Chubb Ltd.
Free Cash Flow (TTM) $263.30M $12.82B Chubb Ltd.
Dividend Yield 2.12% 0.59% United Fire Group, Inc.
1-Year Return 55.82% 4.89% United Fire Group, Inc.
Price-to-Sales Ratio (TTM) 0.74 2.16 United Fire Group, Inc.
Enterprise Value $1.02B $152.07B Chubb Ltd.
EV/Revenue Ratio 0.74 2.55 United Fire Group, Inc.
Revenue per Share (TTM) $54 $150 Chubb Ltd.
Earnings per Share (Diluted) $4.48 $28.29 Chubb Ltd.
Beta (Stock Volatility) 0.41 0.50 United Fire Group, Inc.
Short % of Float 1.63% 1.03% Chubb Ltd.

United Fire Group, Inc. vs Chubb Ltd. Stock Performance Analysis

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UFCS
CB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
United Fire Group, Inc.-1.19%-4.13%10.07%12.21%19.41%21.36%
Chubb Ltd.0.15%-2.46%-3.80%-7.55%6.00%0.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
United Fire Group, Inc.55.82%99.68%45.30%6.49%144.24%40.51%
Chubb Ltd.4.89%62.06%80.18%144.38%357.75%511.96%

Performance & Financial Health Analysis: United Fire Group, Inc. vs Chubb Ltd.

MetricUFCSCB
Market Information
Market Cap i$1.02B$130.19B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i95,6551,559,588
90 Day Avg. Volume i103,4351,636,379
Last Close$43.18$312.75
52 Week Range$25.79 - $49.94$264.10 - $345.67
% from 52W High-13.54%-9.52%
All-Time High$61.56 (Jul 23, 2018)$345.67 (Mar 02, 2026)
% from All-Time High-29.86%-9.52%
Growth Metrics
Quarterly Revenue Growth0.10%0.06%
Quarterly Earnings Growth0.22%0.25%
Financial Health
Profit Margin (TTM) i0.09%0.17%
Operating Margin (TTM) i0.14%0.24%
Return on Equity (TTM) i0.14%0.14%
Debt to Equity (MRQ) i16.9330.94
Cash & Liquidity
Book Value per Share (MRQ)$36.88$188.59
Cash per Share (MRQ)$6.13$18.23
Operating Cash Flow (TTM) i$269.74M$12.82B
Levered Free Cash Flow (TTM) i$-1,115,687,936$12.14B
Dividends
Last 12-Month Dividend Yield i2.12%0.59%
Last 12-Month Dividend i$0.84$1.94

Valuation & Enterprise Metrics Analysis: United Fire Group, Inc. vs Chubb Ltd.

MetricUFCS (Apr 24, 2026)CB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9211.64
Forward P/E i10.7111.29
PEG Ratio i0.420.42
Price to Sales (TTM) i0.742.16
Price to Book (MRQ) i1.081.75
Market Capitalization
Market Capitalization i$1.02B$130.19B
Enterprise Value i$1.02B$152.07B
Enterprise Value Metrics
Enterprise to Revenue i0.742.55
Enterprise to EBITDA i6.0211.46
Risk & Other Metrics
Beta i0.410.50
Book Value per Share (MRQ) i$36.88$188.59

Financial Statements Comparison: United Fire 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

MetricUFCS (2025)CB (2025)
Revenue/Sales i1.39B59.78B
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 i147.94M13.04B
Pre-Tax Income % of Revenue i10.7%21.8%
Income Tax i29.75M2.42B
Income Tax % of Revenue i2.1%4.1%
Net Income (Profit) i118.19M10.62B
Profit Margin i8.5%17.8%

Balance Sheet & Liquidity Metrics

MetricUFCS (2025)CB (2025)
Cash & Equivalents i156.33M2.27B
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 i146.20M15.73B
Long-Term Debt % of Revenue i10.5%26.3%
Total Shareholders Equity i941.17M79.78B
Retained Earnings i722.32M69.95B
Retained Earnings % of Revenue i52.0%117.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricUFCS (2025)CB (2025)
Operating Cash Flow i89.34M9.94B
Operating Cash Flow % of Revenue i6.4%16.6%
Capital Expenditures i-6.45MN/A
Free Cash Flow i263.30M12.82B
FCF Margin i19.0%21.4%
Debt Repayment iN/A-800.00M
Common Stock Repurchase i-993,000-3.69B

Short Interest & Institutional Ownership Analysis

MetricUFCSCB
Shares Short i292,4283.98M
Short Ratio i2.842.17
Short % of Float i1.63%1.03%
Shares Outstanding i25.52M391.10M
Float Shares i22.08M353.59M
% Held by Insiders i17.43%9.45%
% Held by Institutions i67.88%84.38%
% Held by Public i14.69%6.17%

Dividend Analysis & Yield Comparison: United Fire Group, Inc. vs Chubb Ltd.

MetricUFCSCB
Last 12-Month Dividend i$0.84$1.94
Last 12-Month Dividend Yield i2.12%0.59%
3-Year Avg Annual Dividend i$0.71$3.01
3-Year Avg Dividend Yield i0.63%0.35%
3-Year Total Dividends i$2.12$9.02
Ex-Dividend DateFeb 24, 2026Mar 13, 2026