CB Stock Analysis: Chubb | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 128.116m USD | 12M Return: 18.1% | CH0044328745 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 521M
EPS Trend: 90.9%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 (CB) is a global insurance and reinsurance provider organized into six operating segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General, Global Reinsurance, and Life Insurance. The company offers a broad product portfolio spanning commercial lines (property, liability, workers comp, cyber, surety, aviation, and political risk), personal lines (home, auto, valuable articles), agricultural insurance (multi-peril crop and crop-hail), reinsurance, and life and accident & health products such as annuities and group benefits.
Founded in 1985 and headquartered in Zurich, the company was renamed from ACE Limited to Chubb Limited in January 2016, following its acquisition of The Chubb Corporation. As a constituent of the Financials sector, Chubb earns revenue primarily through underwriting premiums and investment income, with a global geographic footprint that diversifies risk across more than 50 countries.
- Net investment income surges as interest rates rise
- P&C underwriting margins expand with favorable rate increases
- Overseas General premiums accelerate across Asia and Latin America
| 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 16.1b > 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 16.1b) / TA 281b) |
| Beneish M = -3.72 (Cap -4..+1) = AAA |
As of October 07, 2026, the stock is trading at USD 334.21 with a total of 1,277,049 shares traded. Over the past week, the price has changed by +0.64%, over one month by -0.42%, over three months by -5.98% and over the past year by +18.14%.
Current recommended Stop Loss: 327.70 (which is 1.9% or 1.3 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 | 365.9 | 9.5% |
P/E Trailing = 11.7384
P/E Forward = 11.6009
P/S = 2.0699
P/B = 1.7158
P/EG = 2.5224
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 = 138b USD (128b + Debt 18.1b - CCE 8.21b)
Interest Coverage Ratio = 14.87 (Ebit TTM 11.9b / Interest Expense TTM 800.0m)
EV/FCF = 8.58x (Enterprise Value 138b / FCF TTM 16.1b)
FCF Yield = 11.65% (FCF TTM 16.1b / Enterprise Value 138b)
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 = 0.49 (Enterprise Value 138b / 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 = 4.89% (E(128b)/V(146b) * Re(5.08%) + D(18.1b)/V(146b) * Rd(4.42%) * (1-Tc(0.20)))
Discount Rate = 5.08% (= 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=6.34 | Chg30d=+0.25% | Revisions=+46% | Analysts=22
EPS current Year (2026-12-31): EPS=27.72 | Chg30d=+0.00% | Revisions=+89% | GrowthEPS=+11.8% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=29.10 | Chg30d=-0.02% | Revisions=-26% | GrowthEPS=+5.0% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +43% (up=47, down=18)