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Side-by-side financial comparison of Chubb Limited (CB) and Lowe's (LOW). Click either name above to swap in a different company.
Lowe's is the larger business by last-quarter revenue ($20.8B vs $15.1B, roughly 1.4× Chubb Limited). Chubb Limited runs the higher net margin — 21.3% vs 7.8%, a 13.5% gap on every dollar of revenue. On growth, Chubb Limited posted the faster year-over-year revenue change (6.3% vs 3.2%). Over the past eight quarters, Chubb Limited's revenue compounded faster (8.1% CAGR vs -8.7%).
Chubb Limited is an American–Swiss company incorporated in Zürich, and listed on the New York Stock Exchange (NYSE) where it is a component of the S&P 500. Chubb is a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and is the largest publicly traded property and casualty insurance company in the world. Chubb operates in 55 countries and territories and in the Lloyd's insurance market in London. Clients of Chubb consist...
Lowe's Companies, Inc. is an American retail company specializing in home improvement. Headquartered in Mooresville, North Carolina, the company operates a chain of retail stores in the United States. As of October 28, 2022, Lowe's and its related businesses operated 2,181 home improvement and hardware stores in North America.
CB vs LOW — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.1B | $20.8B |
| Net Profit | $3.2B | $1.6B |
| Gross Margin | — | 34.2% |
| Operating Margin | 25.0% | 11.9% |
| Net Margin | 21.3% | 7.8% |
| Revenue YoY | 6.3% | 3.2% |
| Net Profit YoY | 24.7% | -4.7% |
| EPS (diluted) | $8.05 | $2.88 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $15.1B | $20.8B | ||
| Q3 25 | $16.1B | — | ||
| Q2 25 | $14.8B | $20.9B | ||
| Q1 25 | $13.4B | — | ||
| Q4 24 | $14.2B | $20.2B | ||
| Q3 24 | $14.8B | $23.6B | ||
| Q2 24 | $13.8B | $21.4B | ||
| Q1 24 | $12.9B | $18.6B |
| Q4 25 | $3.2B | $1.6B | ||
| Q3 25 | $2.8B | — | ||
| Q2 25 | $3.0B | $1.6B | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $2.6B | $1.7B | ||
| Q3 24 | $2.3B | $2.4B | ||
| Q2 24 | $2.2B | $1.8B | ||
| Q1 24 | $2.1B | $1.0B |
| Q4 25 | — | 34.2% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 33.7% | ||
| Q3 24 | — | 33.5% | ||
| Q2 24 | — | 33.2% | ||
| Q1 24 | — | 32.4% |
| Q4 25 | 25.0% | 11.9% | ||
| Q3 25 | 24.1% | — | ||
| Q2 25 | 25.0% | 11.9% | ||
| Q1 25 | 12.5% | — | ||
| Q4 24 | 22.0% | 12.6% | ||
| Q3 24 | 20.2% | 14.6% | ||
| Q2 24 | 19.6% | 12.4% | ||
| Q1 24 | 20.4% | 9.1% |
| Q4 25 | 21.3% | 7.8% | ||
| Q3 25 | 17.3% | — | ||
| Q2 25 | 20.0% | 7.8% | ||
| Q1 25 | 10.0% | — | ||
| Q4 24 | 18.2% | 8.4% | ||
| Q3 24 | 15.7% | 10.1% | ||
| Q2 24 | 16.1% | 8.2% | ||
| Q1 24 | 16.6% | 5.5% |
| Q4 25 | $8.05 | $2.88 | ||
| Q3 25 | $6.99 | — | ||
| Q2 25 | $7.35 | $2.92 | ||
| Q1 25 | $3.29 | — | ||
| Q4 24 | $6.31 | $2.99 | ||
| Q3 24 | $5.70 | $4.17 | ||
| Q2 24 | $5.46 | $3.06 | ||
| Q1 24 | $5.23 | $1.81 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0B |
| Total DebtLower is stronger | $15.7B | $37.5B |
| Stockholders' EquityBook value | $73.8B | $-10.4B |
| Total Assets | $272.3B | $53.5B |
| Debt / EquityLower = less leverage | 0.21× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $3.4B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $3.6B | ||
| Q3 24 | — | $4.7B | ||
| Q2 24 | — | $3.5B | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $15.7B | $37.5B | ||
| Q3 25 | $15.7B | — | ||
| Q2 25 | $13.5B | $30.5B | ||
| Q1 25 | $14.5B | — | ||
| Q4 24 | $14.4B | $32.9B | ||
| Q3 24 | $14.6B | $34.7B | ||
| Q2 24 | $13.2B | $34.6B | ||
| Q1 24 | $13.2B | $35.4B |
| Q4 25 | $73.8B | $-10.4B | ||
| Q3 25 | $71.9B | — | ||
| Q2 25 | $69.4B | $-13.3B | ||
| Q1 25 | $65.7B | — | ||
| Q4 24 | $64.0B | $-13.4B | ||
| Q3 24 | $65.8B | $-13.8B | ||
| Q2 24 | $61.0B | $-14.6B | ||
| Q1 24 | $60.5B | $-15.1B |
| Q4 25 | $272.3B | $53.5B | ||
| Q3 25 | $270.2B | — | ||
| Q2 25 | $261.6B | $45.4B | ||
| Q1 25 | $251.8B | — | ||
| Q4 24 | $246.5B | $44.7B | ||
| Q3 24 | $250.6B | $44.9B | ||
| Q2 24 | $238.6B | $45.4B | ||
| Q1 24 | $234.9B | $41.8B |
| Q4 25 | 0.21× | — | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | 0.22× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.22× | — | ||
| Q2 24 | 0.22× | — | ||
| Q1 24 | 0.22× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $4.1B | $687.0M |
| Free Cash FlowOCF − Capex | — | $90.0M |
| FCF MarginFCF / Revenue | — | 0.4% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | 1.26× | 0.43× |
| TTM Free Cash FlowTrailing 4 quarters | — | $6.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.1B | $687.0M | ||
| Q3 25 | $3.6B | — | ||
| Q2 25 | $3.6B | $3.4B | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | $4.6B | $1.3B | ||
| Q3 24 | $4.3B | $3.2B | ||
| Q2 24 | $4.1B | $4.3B | ||
| Q1 24 | $3.2B | $1.1B |
| Q4 25 | — | $90.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $2.9B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $728.0M | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $3.9B | ||
| Q1 24 | — | $488.0M |
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 13.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 18.2% | ||
| Q1 24 | — | 2.6% |
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.8% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 3.3% |
| Q4 25 | 1.26× | 0.43× | ||
| Q3 25 | 1.30× | — | ||
| Q2 25 | 1.20× | 2.06× | ||
| Q1 25 | 1.18× | — | ||
| Q4 24 | 1.77× | 0.77× | ||
| Q3 24 | 1.86× | 1.32× | ||
| Q2 24 | 1.83× | 2.43× | ||
| Q1 24 | 1.50× | 1.09× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CB
Segment breakdown not available.
LOW
| Home Decor | $7.8B | 37% |
| Building Products | $6.9B | 33% |
| Hardlines | $5.1B | 25% |
| Services | $753.0M | 4% |
| Other | $384.0M | 2% |
