(CB) Chubb - Ratings and Ratios
Property, Liability, Auto, Crop, Life
CB EPS (Earnings per Share)
CB Revenue
Description: CB Chubb September 25, 2025
Chubb Limited (NYSE: CB) is a global insurer and reinsurer operating through six primary segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General Insurance, Global Reinsurance, and Life Insurance. These segments collectively deliver a broad suite of coverages ranging from commercial property and liability to personal lines such as homeowners, auto, and cyber, as well as specialty products like crop-hail and political-risk insurance.
The firm’s product portfolio spans traditional lines (property, general liability, workers’ compensation, commercial marine) and niche offerings (environmental liability, professional indemnity, aviation, surety, and recreational marine). In the personal-line space it provides homeowners, automobile, collector-car, valuable-article, travel, and cyber policies, while its life-insurance arm offers whole life, universal life, term, group employee benefits, and supplemental health products such as critical-illness and dementia coverage.
Chubb was incorporated in 1985, rebranded from ACE Limited in January 2016, and is headquartered in Zurich, Switzerland. The company trades under the ticker “CB” on the NYSE and is classified in the GICS sub-industry “Property & Casualty Insurance.”
**Key metrics (2023)**: combined ratio ≈ 93.5% (indicating underwriting profitability), net income ≈ $6.5 bn, return on equity ≈ 13.5%, and dividend yield ≈ 2.5% with a payout ratio of ~55%. **Sector drivers**: a hardening insurance market due to rising climate-related loss exposure and a shift to higher reinsurance pricing cycles; **economic backdrop**: the recent rise in interest rates has boosted investment income, partially offsetting underwriting volatility. **Assumption**: figures are drawn from Chubb’s FY 2023 Form 10-K; future performance will depend on catastrophe trends, regulatory capital requirements, and the trajectory of global interest rates.
For a deeper, data-rich analysis of Chubb’s valuation dynamics and scenario modeling, you might explore the company’s profile on ValueRay.
CB Stock Overview
| Market Cap in USD | 111,176m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1993-03-24 |
CB Stock Ratings
| Growth Rating | 50.5% |
| Fundamental | 83.0% |
| Dividend Rating | 54.1% |
| Return 12m vs S&P 500 | -8.07% |
| Analyst Rating | 3.45 of 5 |
CB Dividends
| Dividend Yield 12m | 1.31% |
| Yield on Cost 5y | 2.77% |
| Annual Growth 5y | 3.82% |
| Payout Consistency | 96.1% |
| Payout Ratio | 12.9% |
CB Growth Ratios
| Growth Correlation 3m | 48.8% |
| Growth Correlation 12m | 8.6% |
| Growth Correlation 5y | 94.1% |
| CAGR 5y | 13.49% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.70 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.14 |
| Sharpe Ratio 12m | -0.03 |
| Alpha | -6.52 |
| Beta | 0.546 |
| Volatility | 18.83% |
| Current Volume | 1301.9k |
| Average Volume 20d | 1897.3k |
| Stop Loss | 278.9 (-3%) |
| Signal | 0.59 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (9.68b TTM) > 0 and > 6% of Revenue (6% = 3.52b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 23.21% (prev 33.55%; Δ -10.34pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 14.00b > Net Income 9.68b (YES >=105%, WARN >=100%) |
| Net Debt (12.89b) to EBITDA (13.27b) ratio: 0.97 <= 3.0 (WARN <= 3.5) |
| Current Ratio 18.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (403.2m) change vs 12m ago -1.15% (target <= -2.0% for YES) |
| Gross Margin 11.72% (prev 45.57%; Δ -33.85pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.54% (prev 22.02%; Δ 0.52pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 17.63 (EBITDA TTM 13.27b / Interest Expense TTM 748.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.39
| (A) 0.05 = (Total Current Assets 14.43b - Total Current Liabilities 800.0m) / Total Assets 270.21b |
| (B) 0.23 = Retained Earnings (Balance) 61.56b / Total Assets 270.21b |
| (C) 0.05 = EBIT TTM 13.18b / Avg Total Assets 260.38b |
| (D) -0.03 = Book Value of Equity -4.89b / Total Liabilities 192.40b |
| Total Rating: 1.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 83.00
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 16.06% = 5.0 |
| 3. FCF Margin 23.85% = 5.96 |
| 4. Debt/Equity 0.20 = 2.48 |
| 5. Debt/Ebitda 0.97 = 1.81 |
| 6. ROIC - WACC (= 5.75)% = 7.19 |
| 7. RoE 13.97% = 1.16 |
| 8. Rev. Trend 87.17% = 6.54 |
| 9. EPS Trend 57.14% = 2.86 |
What is the price of CB shares?
Over the past week, the price has changed by +3.83%, over one month by -0.58%, over three months by +7.14% and over the past year by +4.82%.
Is Chubb a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CB is around 291.13 USD . This means that CB is currently overvalued and has a potential downside of 1.25%.
Is CB a buy, sell or hold?
- Strong Buy: 4
- Buy: 5
- Hold: 10
- Sell: 3
- Strong Sell: 0
What are the forecasts/targets for the CB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 307.4 | 6.9% |
| Analysts Target Price | 307.4 | 6.9% |
| ValueRay Target Price | 320.8 | 11.6% |
CB Fundamental Data Overview October 28, 2025
P/E Trailing = 11.7808
P/E Forward = 10.6724
P/S = 1.8877
P/B = 1.6165
P/EG = 2.0523
Beta = 0.546
Revenue TTM = 58.70b USD
EBIT TTM = 13.18b USD
EBITDA TTM = 13.27b USD
Long Term Debt = 14.38b USD (from longTermDebt, last fiscal year)
Short Term Debt = 800.0m USD (from shortTermDebt, last fiscal year)
Debt = 15.18b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 12.89b USD (from netDebt column, last fiscal year)
Enterprise Value = 87.17b USD (111.18b + Debt 15.18b - CCE 39.19b)
Interest Coverage Ratio = 17.63 (Ebit TTM 13.18b / Interest Expense TTM 748.0m)
FCF Yield = 16.06% (FCF TTM 14.00b / Enterprise Value 87.17b)
FCF Margin = 23.85% (FCF TTM 14.00b / Revenue TTM 58.70b)
Net Margin = 16.48% (Net Income TTM 9.68b / Revenue TTM 58.70b)
Gross Margin = 11.72% ((Revenue TTM 58.70b - Cost of Revenue TTM 51.82b) / Revenue TTM)
Gross Margin QoQ = -29.74% (prev 30.12%)
Tobins Q-Ratio = 0.32 (Enterprise Value 87.17b / Total Assets 270.21b)
Interest Expense / Debt = 1.30% (Interest Expense 197.0m / Debt 15.18b)
Taxrate = 20.21% (787.0m / 3.89b)
NOPAT = 10.52b (EBIT 13.18b * (1 - 20.21%))
Current Ratio = 18.03 (Total Current Assets 14.43b / Total Current Liabilities 800.0m)
Debt / Equity = 0.20 (Debt 15.18b / totalStockholderEquity, last quarter 77.81b)
Debt / EBITDA = 0.97 (Net Debt 12.89b / EBITDA 13.27b)
Debt / FCF = 0.92 (Net Debt 12.89b / FCF TTM 14.00b)
Total Stockholder Equity = 69.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.58% (Net Income 9.68b / Total Assets 270.21b)
RoE = 13.97% (Net Income TTM 9.68b / Total Stockholder Equity 69.24b)
RoCE = 15.77% (EBIT 13.18b / Capital Employed (Equity 69.24b + L.T.Debt 14.38b))
RoIC = 12.94% (NOPAT 10.52b / Invested Capital 81.27b)
WACC = 7.19% (E(111.18b)/V(126.35b) * Re(8.03%) + D(15.18b)/V(126.35b) * Rd(1.30%) * (1-Tc(0.20)))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.92%
[DCF Debug] Terminal Value 79.22% ; FCFE base≈14.47b ; Y1≈15.45b ; Y5≈18.70b
Fair Price DCF = 829.2 (DCF Value 326.96b / Shares Outstanding 394.3m; 5y FCF grow 7.60% → 3.0% )
EPS Correlation: 57.14 | EPS CAGR: 25.05% | SUE: 4.0 | # QB: 5
Revenue Correlation: 87.17 | Revenue CAGR: 13.11% | SUE: 0.94 | # QB: 1
Additional Sources for CB Stock
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