Reviewing Chubb (NYSE:CB) and Zurich Insurance Group (OTCMKTS:ZFSVF)

Chubb (NYSE:CB) and Zurich Insurance Group (OTCMKTS:ZFSVF) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, earnings, profitability, valuation, risk and institutional ownership.

Institutional and Insider Ownership

83.8% of Chubb shares are owned by institutional investors. Comparatively, 30.8% of Zurich Insurance Group shares are owned by institutional investors. 0.4% of Chubb shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Chubb and Zurich Insurance Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chubb	$59.40 billion	2.29	$10.31 billion	$28.27	12.47
Zurich Insurance Group	N/A	N/A	N/A	$27.66	26.43

Chubb has higher revenue and earnings than Zurich Insurance Group. Chubb is trading at a lower price-to-earnings ratio than Zurich Insurance Group, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and target prices for Chubb and Zurich Insurance Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chubb	1	12	7	2	2.45
Zurich Insurance Group	0	0	0	0	0.00

Chubb presently has a consensus price target of $360.09, suggesting a potential upside of 2.17%. Given Chubb’s stronger consensus rating and higher possible upside, equities analysts plainly believe Chubb is more favorable than Zurich Insurance Group.

Profitability

This table compares Chubb and Zurich Insurance Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chubb	18.10%	14.47%	4.19%
Zurich Insurance Group	N/A	N/A	N/A

Dividends

Chubb pays an annual dividend of $4.08 per share and has a dividend yield of 1.2%. Zurich Insurance Group pays an annual dividend of $19.17 per share and has a dividend yield of 2.6%. Chubb pays out 14.4% of its earnings in the form of a dividend. Zurich Insurance Group pays out 69.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chubb has increased its dividend for 31 consecutive years.

Summary

Chubb beats Zurich Insurance Group on 13 of the 15 factors compared between the two stocks.

About Chubb

Chubb Limited provides insurance and reinsurance products worldwide. The company's North America Commercial P&C Insurance segment offers commercial property, casualty, workers' compensation, package policies, risk management, financial lines, marine, construction, environmental, medical risk, cyber risk, surety, and casualty; and group accident and health insurance to large, middle market, and small commercial businesses. Its North America Personal P&C Insurance segment provides affluent and high net worth individuals and families with homeowners, automobile and collector cars, valuable articles, personal and excess liability, travel insurance, and recreational marine insurance and services. The company's North America Agricultural Insurance segment offers multiple peril crop and crop-hail insurance; and coverage for farm, ranch, and specialty property and casualty, and commercial agriculture products. Its Overseas General Insurance segment provides coverage for traditional commercial property and casualty; specialty categories, such as financial lines, marine, energy, aviation, political risk, and construction; and group accident and health, and traditional and specialty personal lines for corporations, middle markets, and small customers through retail brokers, agents, and other channels. The company's Global Reinsurance segment offers traditional and specialty reinsurance under the Chubb Tempest Re brand to property and casualty companies. Its Life Insurance segment provides protection and savings products comprising whole life, endowment plans, individual and life, group term life, health protection, personal accident, credit life, universal life, group employee benefits, and unit linked contracts. It markets its products primarily through insurance and reinsurance brokers. The company was formerly known as ACE Limited and changed its name to Chubb Limited in January 2016. Chubb Limited was incorporated in 1985 and is headquartered in Zurich, Switzerland.

About Zurich Insurance Group

Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, energy and engineering lines, and marine; commercial management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as and non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, and cyber resilience, as well as climate risk assessment and reinsurance services. The company serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. It sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.