(CB) Chubb - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 127.366m USD | Total Return: 14.6% in 12m
Avg Turnover: 478M
EPS Trend: 90.9%
Qual. Beats: 0
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader
Chubb Limited (CB) is a global provider of insurance and reinsurance products, operating through six primary segments including North America Commercial, Personal, Agricultural, Overseas General, Global Reinsurance, and Life Insurance. Headquartered in Zurich, the company maintains a diverse portfolio ranging from traditional property and casualty coverage to specialized lines such as cyber, marine, and crop insurance.
As a leader in the Property & Casualty sector, Chubb utilizes a multi-channel distribution model that leverages independent agents, brokers, and direct-to-consumer platforms. The company’s business model emphasizes underwriting discipline and risk diversification, which is critical in an industry where profitability is heavily influenced by the combined ratio-a measure of incurred losses and expenses relative to earned premiums.
For a more granular look at these financial metrics, consider exploring the data on ValueRay.
The firm also provides comprehensive life insurance and reinsurance solutions, including protection, savings, and annuities. Formerly known as ACE Limited, the company adopted the Chubb name in 2016 following a major acquisition, solidifying its position as one of the world’s largest publicly traded property and casualty insurers by market capitalization.
- Commercial premium pricing trends drive underwriting profitability and net interest income
- Elevated catastrophe loss activity impacts quarterly combined ratios and earnings stability
- Expansion into Asian life insurance markets diversifies long-term revenue streams
- Fixed income portfolio yields fluctuate based on Federal Reserve interest rate policy
- Agricultural insurance margins depend on weather patterns and federal crop subsidy levels
| Net Income: 11.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.71 > 1.0 |
| NWC/Revenue: -87.10% < 20% (prev 25.72%; Δ -112.8% < -1%) |
| CFO/TA 0.06 > 3% & CFO 15.9b > Net Income 11.3b |
| Net Debt (14.8b) to EBITDA (15.5b): 0.96 < 3 |
| Current Ratio: 0.62 > 1.5 & < 3 |
| Outstanding Shares: last quarter (394.6m) vs 12m ago -2.50% < -2% |
| Gross Margin: 35.20% > 18% (prev 0.27%; Δ 3.49k% > 0.5%) |
| Asset Turnover: 23.20% > 50% (prev 22.48%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 19.40 > 6 (EBITDA TTM 15.5b / Interest Expense TTM 781.0m) |
| A: -0.19 (Total Current Assets 87.0b - Total Current Liabilities 140b) / Total Assets 275b |
| B: 0.25 (Retained Earnings 68.8b / Total Assets 275b) |
| C: 0.06 (EBIT TTM 15.2b / Avg Total Assets 264b) |
| D: 0.32 (Book Value of Equity 63.1b / Total Liabilities 196b) |
| Altman-Z'' = 0.27 = B |
| DSRI: 0.44 (Receivables 17.1b/35.6b, Revenue 61.1b/56.6b) |
| GMI: 0.77 (GM 35.20% / 26.94%) |
| AQI: 0.71 (AQ_t 0.67 / AQ_t-1 0.93) |
| SGI: 1.08 (Revenue 61.1b / 56.6b) |
| TATA: -0.02 (NI 11.3b - CFO 15.9b) / TA 275b) |
| Beneish M = -3.83 (Cap -4..+1) = AAA |
As of May 26, 2026, the stock is trading at USD 327.89 with a total of 1,396,485 shares traded.
Over the past week, the price has changed by +1.15%,
over one month by +1.01%,
over three months by -1.70% and
over the past year by +14.64%.
Chubb has received a consensus analysts rating of 3.64. Therefore, it is recommended to hold CB.
- StrongBuy: 8
- Buy: 2
- Hold: 13
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 345.3 | 5.3% |
P/E Trailing = 11.62
P/E Forward = 12.1951
P/S = 2.0884
P/B = 1.7353
P/EG = 2.9037
Revenue TTM = 61.1b USD
EBIT TTM = 15.2b USD
EBITDA TTM = 15.5b USD
Long Term Debt = 16.0b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.5b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.8b USD (calculated: Debt 17.5b - CCE 2.63b)
Enterprise Value = 142b USD (127b + Debt 17.5b - CCE 2.63b)
Interest Coverage Ratio = 19.40 (Ebit TTM 15.2b / Interest Expense TTM 781.0m)
EV/FCF = 11.77x (Enterprise Value 142b / FCF TTM 12.1b)
FCF Yield = 8.49% (FCF TTM 12.1b / Enterprise Value 142b)
FCF Margin = 19.76% (FCF TTM 12.1b / Revenue TTM 61.1b)
Net Margin = 18.48% (Net Income TTM 11.3b / Revenue TTM 61.1b)
Gross Margin = 35.20% ((Revenue TTM 61.1b - Cost of Revenue TTM 39.6b) / Revenue TTM)
Gross Margin QoQ = 46.37% (prev 32.37%)
Tobins Q-Ratio = 0.52 (Enterprise Value 142b / Total Assets 275b)
Interest Expense / Debt = 4.47% (Interest Expense 781.0m / Debt 17.5b)
Taxrate = 21.58% (646.0m / 2.99b)
NOPAT = 11.9b (EBIT 15.2b * (1 - 21.58%))
Current Ratio = 0.58 (Total Current Assets 87.0b / Total Current Liabilities 149b)
Debt / Equity = 0.24 (Debt 17.5b / totalStockholderEquity, last quarter 73.8b)
Debt / EBITDA = 0.96 (Net Debt 14.8b / EBITDA 15.5b)
Debt / FCF = 1.23 (Net Debt 14.8b / FCF TTM 12.1b)
Total Stockholder Equity = 72.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.29% (Net Income 11.3b / Total Assets 275b)
RoE = 15.65% (Net Income TTM 11.3b / Total Stockholder Equity 72.2b)
RoCE = 17.19% (EBIT 15.2b / Capital Employed (Equity 72.2b + L.T.Debt 16.0b))
RoIC = 4.32% (NOPAT 11.9b / Invested Capital 275b)
WACC = 5.72% (E(127b)/V(145b) * Re(6.02%) + D(17.5b)/V(145b) * Rd(4.47%) * (1-Tc(0.22)))
Discount Rate = 6.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -1.76%
[DCF] Terminal Value 77.97% ; FCFF base≈10.9b ; Y1≈12.5b ; Y5≈18.5b
[DCF] Fair Price = 678.2 (EV 278b - Net Debt 14.8b = Equity 263b / Shares 387.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 90.87 | EPS CAGR: 14.65% | SUE: 0.52 | # QB: 0
Revenue Correlation: 98.06 | Revenue CAGR: 9.78% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=6.68 | Chg30d=+0.30% | Revisions=+13% | Analysts=22
EPS next Quarter (2026-09-30): EPS=6.28 | Chg30d=+1.35% | Revisions=+50% | Analysts=22
EPS current Year (2026-12-31): EPS=27.09 | Chg30d=+0.91% | Revisions=+56% | GrowthEPS=+9.3% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=29.23 | Chg30d=+0.37% | Revisions=+33% | GrowthEPS=+7.9% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +56%