(CB) Chubb - Ratings and Ratios
Property, Liability, Reinsurance, Crop, Life
Dividends
| Dividend Yield | 1.24% |
| Yield on Cost 5y | 2.75% |
| Yield CAGR 5y | 3.82% |
| Payout Consistency | 94.2% |
| Payout Ratio | 16.4% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 21.9% |
| Value at Risk 5%th | 33.6% |
| Relative Tail Risk | -6.66% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.52 |
| Alpha | 7.41 |
| CAGR/Max DD | 0.79 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.257 |
| Beta | 0.251 |
| Beta Downside | 0.341 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.26% |
| Mean DD | 6.32% |
| Median DD | 5.60% |
Description: CB Chubb December 02, 2025
Chubb Ltd (NYSE: CB) is a global insurer and reinsurer operating through six segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General Insurance, Global Reinsurance, and Life Insurance. Its product suite spans commercial lines (property, liability, workers’ comp, marine, energy, construction, cyber, professional indemnity), personal lines (homeowners, auto, collector-car, travel, cyber, recreational marine), agricultural coverages (multiple-peril crop and hail), and life & health solutions (whole life, universal life, term, critical illness, disability, dental, group benefits).
Key performance indicators from FY 2024 show a combined ratio of 93.4% in the P&C segment, indicating underwriting profitability, and a net income of $5.8 billion, delivering a return on equity (ROE) of ~13.5%. The company’s capital strength is reflected in an A- (Stable) rating from S&P and a tangible book value per share of $78, supporting its ability to absorb large loss events.
Chubb’s earnings are sensitive to two primary macro drivers: (1) the frequency and severity of natural catastrophes, which affect loss reserves and reinsurance pricing cycles, and (2) the level of interest rates, which influence investment income on its sizable fixed-income portfolio. Recent trends of higher insured-loss activity in the U.S. Gulf Coast and a gradual rise in rates after a prolonged low-rate environment are expected to shape underwriting margins in 2025.
For a deeper, data-driven view of how these factors are reflected in Chubb’s valuation metrics, you may find it useful to explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (9.68b TTM) > 0 and > 6% of Revenue (6% = 3.52b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.98pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 25.22% (prev 33.55%; Δ -8.33pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 13.32b > Net Income 9.68b (YES >=105%, WARN >=100%) |
| Net Debt (14.98b) to EBITDA (13.47b) ratio: 1.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 10.88 (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 28.46% (prev 28.36%; Δ 0.11pp) >=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 17.50 (EBITDA TTM 13.47b / Interest Expense TTM 748.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.84
| (A) 0.05 = (Total Current Assets 16.30b - Total Current Liabilities 1.50b) / Total Assets 270.21b |
| (B) 0.25 = Retained Earnings (Balance) 66.72b / Total Assets 270.21b |
| (C) 0.05 = EBIT TTM 13.09b / Avg Total Assets 260.38b |
| (D) 0.32 = Book Value of Equity 62.06b / Total Liabilities 192.40b |
| Total Rating: 1.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.91
| 1. Piotroski 5.50pt |
| 2. FCF Yield 14.35% |
| 3. FCF Margin 22.69% |
| 4. Debt/Equity 0.24 |
| 5. Debt/Ebitda 1.11 |
| 6. ROIC - WACC (= 6.38)% |
| 7. RoE 14.28% |
| 8. Rev. Trend 91.60% |
| 9. EPS Trend 72.39% |
What is the price of CB shares?
Over the past week, the price has changed by +4.90%, over one month by +4.92%, over three months by +11.27% and over the past year by +13.87%.
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 | 308 | -0.2% |
| Analysts Target Price | 308 | -0.2% |
| ValueRay Target Price | 350.6 | 13.7% |
CB Fundamental Data Overview December 09, 2025
P/E Trailing = 12.3328
P/E Forward = 10.6724
P/S = 1.9988
P/B = 1.6157
P/EG = 2.0523
Beta = 0.522
Revenue TTM = 58.70b USD
EBIT TTM = 13.09b USD
EBITDA TTM = 13.47b USD
Long Term Debt = 15.73b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.98b USD (from netDebt column, last quarter)
Enterprise Value = 92.85b USD (117.61b + Debt 17.23b - CCE 41.99b)
Interest Coverage Ratio = 17.50 (Ebit TTM 13.09b / Interest Expense TTM 748.0m)
FCF Yield = 14.35% (FCF TTM 13.32b / Enterprise Value 92.85b)
FCF Margin = 22.69% (FCF TTM 13.32b / Revenue TTM 58.70b)
Net Margin = 16.48% (Net Income TTM 9.68b / Revenue TTM 58.70b)
Gross Margin = 28.46% ((Revenue TTM 58.70b - Cost of Revenue TTM 41.99b) / Revenue TTM)
Gross Margin QoQ = 31.18% (prev 30.12%)
Tobins Q-Ratio = 0.34 (Enterprise Value 92.85b / Total Assets 270.21b)
Interest Expense / Debt = 1.14% (Interest Expense 197.0m / Debt 17.23b)
Taxrate = 20.21% (787.0m / 3.89b)
NOPAT = 10.44b (EBIT 13.09b * (1 - 20.21%))
Current Ratio = 10.88 (Total Current Assets 16.30b / Total Current Liabilities 1.50b)
Debt / Equity = 0.24 (Debt 17.23b / totalStockholderEquity, last quarter 71.86b)
Debt / EBITDA = 1.11 (Net Debt 14.98b / EBITDA 13.47b)
Debt / FCF = 1.12 (Net Debt 14.98b / FCF TTM 13.32b)
Total Stockholder Equity = 67.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.58% (Net Income 9.68b / Total Assets 270.21b)
RoE = 14.28% (Net Income TTM 9.68b / Total Stockholder Equity 67.75b)
RoCE = 15.68% (EBIT 13.09b / Capital Employed (Equity 67.75b + L.T.Debt 15.73b))
RoIC = 12.55% (NOPAT 10.44b / Invested Capital 83.22b)
WACC = 6.17% (E(117.61b)/V(134.84b) * Re(6.94%) + D(17.23b)/V(134.84b) * Rd(1.14%) * (1-Tc(0.20)))
Discount Rate = 6.94% (= 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≈13.91b ; Y1≈14.86b ; Y5≈17.99b
Fair Price DCF = 799.1 (DCF Value 314.48b / Shares Outstanding 393.6m; 5y FCF grow 7.60% → 3.0% )
EPS Correlation: 72.39 | EPS CAGR: 19.75% | SUE: 4.0 | # QB: 5
Revenue Correlation: 91.60 | Revenue CAGR: 12.20% | SUE: 0.94 | # QB: 1
EPS next Quarter (2026-03-31): EPS=6.55 | Chg30d=-0.002 | Revisions Net=+10 | Analysts=18
EPS next Year (2026-12-31): EPS=26.25 | Chg30d=-0.006 | Revisions Net=+16 | Growth EPS=+11.2% | Growth Revenue=+6.0%
Additional Sources for CB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle