CB Stock Analysis: Chubb | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 135.088m USD | 12M Return: 31.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 686M
EPS Trend: 90.9%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
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: 11.2b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: -10.56% < 20% (prev -211.8%; Δ 201.2% < -1%) |
| CFO/TA 0.06 > 3% & CFO 16.6b > Net Income 11.2b |
| Net Debt (9.90b) to EBITDA (12.2b): 0.81 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (393.0m) vs 12m ago -2.67% < -2% |
| Gross Margin: 39.60% > 18% (prev 27.23%; Δ 12.37% > 0.5%) |
| Asset Turnover: 22.87% > 50% (prev 22.00%; Δ 0.87% > 0%) |
| Interest Coverage Ratio: 14.87 > 6 (EBIT TTM 11.9b / Interest Expense TTM 800.0m) |
| A: -0.02 (Total Current Assets 32.0b - Total Current Liabilities 38.5b) / Total Assets 281b |
| B: 0.25 (Retained Earnings 71.7b / Total Assets 281b) |
| C: 0.04 (EBIT TTM 11.9b / Avg Total Assets 271b) |
| D: 0.38 (Book Value of Equity 75.4b / Total Liabilities 200b) |
| Altman-Z'' = 1.37 = BB |
| DSRI: 0.48 (Receivables 19.1b/36.7b, Revenue 62.1b/57.6b) |
| GMI: 0.69 (GM 27.23% / 39.60%) |
| AQI: 0.93 (AQ_t 0.87 / AQ_t-1 0.93) |
| SGI: 1.08 (Revenue 62.1b / 57.6b) |
| TATA: -0.02 (NI 11.2b - CFO 16.6b) / TA 281b) |
| Beneish M = -3.72 (Cap -4..+1) = AAA |
As of August 05, 2026, the stock is trading at USD 348.30 with a total of 1,521,517 shares traded. Over the past week, the price has changed by -4.18%, over one month by -2.31%, over three months by +7.46% and over the past year by +31.75%.
Current recommended Stop Loss: 327.80 (which is 5.9% or 2.5 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 | 365.3 | 4.9% |
P/E Trailing = 12.8213
P/E Forward = 13.1234
P/S = 2.1825
P/B = 1.8524
P/EG = 2.8546
Revenue TTM = 62.1b USD
EBIT TTM = 11.9b USD
EBITDA TTM = 12.2b USD
Long Term Debt = 17.5b USD (from longTermDebt, last quarter)
Short Term Debt = 663.0m USD (from shortTermDebt, last quarter)
Debt = 18.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.90b USD (calculated: Debt 18.1b - CCE 8.21b)
Enterprise Value = 145b USD (135b + Debt 18.1b - CCE 8.21b)
Interest Coverage Ratio = 14.87 (Ebit TTM 11.9b / Interest Expense TTM 800.0m)
EV/FCF = 9.02x (Enterprise Value 145b / FCF TTM 16.1b)
FCF Yield = 11.09% (FCF TTM 16.1b / Enterprise Value 145b)
FCF Margin = 25.90% (FCF TTM 16.1b / Revenue TTM 62.1b)
Net Margin = 18.06% (Net Income TTM 11.2b / Revenue TTM 62.1b)
Gross Margin = 39.60% ((Revenue TTM 62.1b - Cost of Revenue TTM 37.5b) / Revenue TTM)
Gross Margin QoQ = 47.48% (prev 46.37%)
Tobins Q-Ratio = 0.52 (Enterprise Value 145b / Total Assets 281b)
Interest Expense / Debt = 4.42% (Interest Expense 800.0m / Debt 18.1b)
Taxrate = 19.68% (2.77b / 14.1b)
NOPAT = 9.55b (EBIT 11.9b * (1 - 19.68%))
Current Ratio = 0.83 (Total Current Assets 32.0b / Total Current Liabilities 38.5b)
Debt / Equity = 0.24 (Debt 18.1b / totalStockholderEquity, last quarter 75.4b)
Debt / EBITDA = 0.81 (Net Debt 9.90b / EBITDA 12.2b)
Debt / FCF = 0.62 (Net Debt 9.90b / FCF TTM 16.1b)
Total Stockholder Equity = 73.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.13% (Net Income 11.2b / Total Assets 281b)
RoE = 15.22% (Net Income TTM 11.2b / Total Stockholder Equity 73.7b)
RoCE = 13.05% (EBIT 11.9b / Capital Employed (Equity 73.7b + L.T.Debt 17.5b))
RoIC = 3.97% (NOPAT 9.55b / Invested Capital 240b)
WACC = 4.85% (E(135b)/V(153b) * Re(5.02%) + D(18.1b)/V(153b) * Rd(4.42%) * (1-Tc(0.20)))
Discount Rate = 5.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -70.14 | Cagr: -1.84%
[DCF] Terminal Value 77.95% ; FCFF base≈15.2b ; Y1≈17.5b ; Y5≈25.6b
[DCF] Fair Price = 973.0 (EV 385b - Net Debt 9.90b = Equity 375b / Shares 385.8m; r=8.35% [WACC [floored]]; 5y FCF grow 14.84% → 2.50% )
EPS Correlation: 90.93 | EPS CAGR: 14.57% | SUE: 1.63 | # QB: 1
Revenue Correlation: 98.43 | Revenue CAGR: 8.85% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-09-30): EPS=6.32 | Chg30d=+0.81% | Revisions=+17% | Analysts=22
EPS current Year (2026-12-31): EPS=27.68 | Chg30d=+2.17% | Revisions=+0% | GrowthEPS=+11.6% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=29.14 | Chg30d=-0.32% | Revisions=-17% | GrowthEPS=+5.3% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +0% (up=5, down=5)