CB Stock Analysis: Chubb | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 126.132m USD | 12M Return: 20% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 562M
EPS Trend: 90.9%
Qual. Beats: 0
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Chubb Limited (NYSE: CB) is a Switzerland-based global insurer and reinsurer organized into six business segments: North America Commercial P&C, North America Personal P&C, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance. The company was incorporated in 1985 and is headquartered in Zurich, originally as ACE Limited before adopting the Chubb name in January 2016 following the 2016 acquisition of the legacy Chubb Corp.
Chubbs product portfolio spans commercial lines such as property, casualty, workers compensation, professional liability, environmental, marine, energy, and political risk, alongside personal lines including homeowners, auto, valuable articles, and excess liability. It also underwrites crop and multi-peril agricultural insurance, life and accident & health products (including group benefits and annuities), and property catastrophe reinsurance, making it one of the few large carriers with material exposure across the full P&C, life, and reinsurance value chain.
As a Property & Casualty insurer in the Financials sector, Chubb operates on a combined-ratio-driven underwriting model supplemented by investment income earned on its insurance reserves (the float), with reinsurance serving both as a risk-transfer tool and a direct revenue line. The companys large-cap status (~$126B market capitalization) and listing on the NYSE since 1993 reflect its position among the worlds largest publicly traded commercial insurers, with a particularly strong franchise in high-net-worth personal lines and specialty commercial coverage.
- Commercial P&C rate increases drive premium growth and margin expansion
- Higher investment income boosts returns as interest rates rise
- Catastrophe losses from severe weather pressure combined ratio and earnings
| Net Income: 11.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.00 > 1.0 |
| NWC/Revenue: -87.94% < 20% (prev 25.72%; Δ -113.7% < -1%) |
| CFO/TA 0.06 > 3% & CFO 15.9b > Net Income 11.3b |
| Net Debt (-25.5b) to EBITDA (12.5b): -2.04 < 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 26.94%; Δ 8.26% > 0.5%) |
| Asset Turnover: 23.20% > 50% (prev 22.48%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 15.57 > 6 (EBIT TTM 12.2b / Interest Expense TTM 781.0m) |
| A: -0.20 (Total Current Assets 88.9b - Total Current Liabilities 143b) / Total Assets 275b |
| B: 0.25 (Retained Earnings 68.8b / Total Assets 275b) |
| C: 0.05 (EBIT TTM 12.2b / Avg Total Assets 264b) |
| D: 0.38 (Book Value of Equity 73.8b / Total Liabilities 196b) |
| Altman-Z'' = 0.24 = B |
| DSRI: 1.01 (Receivables 38.9b/35.6b, Revenue 61.1b/56.6b) |
| GMI: 0.77 (GM 26.94% / 35.20%) |
| AQI: 0.71 (AQ_t 0.66 / 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 = -3.35 (Cap -4..+1) = AA |
As of July 01, 2026, the stock is trading at USD 343.29 with a total of 1,500,495 shares traded. Over the past week, the price has changed by +5.56%, over one month by +10.47%, over three months by +5.84% and over the past year by +20.00%.
Current recommended Stop Loss: 327.80 (which is 4.5% or 2.2 ATR below the current price).
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 | 0.5% |
P/E Trailing = 11.5074
P/E Forward = 11.9474
P/S = 2.0681
P/B = 1.6999
P/EG = 2.8445
Revenue TTM = 61.1b USD
EBIT TTM = 12.2b USD
EBITDA TTM = 12.5b USD
Long Term Debt = 16.0b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -25.5b USD (calculated: Debt 17.9b - CCE 43.4b)
Enterprise Value = 101b USD (126b + Debt 17.9b - CCE 43.4b)
Interest Coverage Ratio = 15.57 (Ebit TTM 12.2b / Interest Expense TTM 781.0m)
EV/FCF = 6.33x (Enterprise Value 101b / FCF TTM 15.9b)
FCF Yield = 15.79% (FCF TTM 15.9b / Enterprise Value 101b)
FCF Margin = 26.00% (FCF TTM 15.9b / 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 = 0.37 (Enterprise Value 101b / Total Assets 275b)
Interest Expense / Debt = 4.36% (Interest Expense 781.0m / Debt 17.9b)
Taxrate = 19.11% (2.75b / 14.4b)
NOPAT = 9.84b (EBIT 12.2b * (1 - 19.11%))
Current Ratio = 0.62 (Total Current Assets 88.9b / Total Current Liabilities 143b)
Debt / Equity = 0.24 (Debt 17.9b / totalStockholderEquity, last quarter 73.8b)
Debt / EBITDA = -2.04 (Net Debt -25.5b / EBITDA 12.5b)
Debt / FCF = -1.60 (Net Debt -25.5b / FCF TTM 15.9b)
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 = 13.79% (EBIT 12.2b / Capital Employed (Equity 72.2b + L.T.Debt 16.0b))
RoIC = 7.49% (NOPAT 9.84b / Invested Capital 131b)
WACC = 5.47% (E(126b)/V(144b) * Re(5.74%) + D(17.9b)/V(144b) * Rd(4.36%) * (1-Tc(0.19)))
Discount Rate = 5.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -1.76%
[DCF] Terminal Value 76.60% ; FCFF base≈15.3b ; Y1≈16.6b ; Y5≈20.5b
[DCF] Fair Price = 873.5 (EV 313b - Net Debt -25.5b = Equity 339b / Shares 387.9m; r=8.35% [WACC [floored]]; 5y FCF grow 9.43% → 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 next Quarter (2026-09-30): EPS=6.28 | Chg30d=+0.08% | Revisions=+8% | Analysts=22
EPS current Year (2026-12-31): EPS=27.09 | Chg30d=+0.00% | Revisions=+38% | GrowthEPS=+9.3% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=29.25 | Chg30d=+0.07% | Revisions=+12% | GrowthEPS=+8.0% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +38%