Overview Dividends

(CB) Chubb - Ratings and Ratios

Exchange: NYSE • Country: Switzerland • Currency: USD • Type: Common Stock • ISIN: CH0044328745

Property, Liability, Auto, Crop, Life

EPS (Earnings per Share)

EPS Growth (3y CAGR): 21.95%
EPS Trend (3y Corr): 55.3%

Last SUE: 3.56σ
Qual. Beats: 5

Revenue

Revenue Growth (3y CAGR): 13.11%
Revenue Trend (3y Corr): 87.2%

Last SUE: 0.94σ
Qual. Beats: 1

Risk via 10d forecast
Volatility	18.4%
Value at Risk 5%th	28.4%
Relative Tail Risk	-6.41%

Reward TTM
Sharpe Ratio	0.10
Alpha	-1.69

Character TTM
Hurst Exponent	0.411
Beta	0.266
Beta Downside	0.336

Drawdowns 3y
Max DD	19.26%
Mean DD	6.32%
Median DD	5.60%

Description: CB Chubb September 25, 2025

Chubb Limited (NYSE: CB) is a global insurer and reinsurer operating through six primary segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General Insurance, Global Reinsurance, and Life Insurance. These segments collectively deliver a broad suite of coverages ranging from commercial property and liability to personal lines such as homeowners, auto, and cyber, as well as specialty products like crop-hail and political-risk insurance.

The firm’s product portfolio spans traditional lines (property, general liability, workers’ compensation, commercial marine) and niche offerings (environmental liability, professional indemnity, aviation, surety, and recreational marine). In the personal-line space it provides homeowners, automobile, collector-car, valuable-article, travel, and cyber policies, while its life-insurance arm offers whole life, universal life, term, group employee benefits, and supplemental health products such as critical-illness and dementia coverage.

Chubb was incorporated in 1985, rebranded from ACE Limited in January 2016, and is headquartered in Zurich, Switzerland. The company trades under the ticker “CB” on the NYSE and is classified in the GICS sub-industry “Property & Casualty Insurance.”

**Key metrics (2023)**: combined ratio ≈ 93.5% (indicating underwriting profitability), net income ≈ $6.5 bn, return on equity ≈ 13.5%, and dividend yield ≈ 2.5% with a payout ratio of ~55%. **Sector drivers**: a hardening insurance market due to rising climate-related loss exposure and a shift to higher reinsurance pricing cycles; **economic backdrop**: the recent rise in interest rates has boosted investment income, partially offsetting underwriting volatility. **Assumption**: figures are drawn from Chubb’s FY 2023 Form 10-K; future performance will depend on catastrophe trends, regulatory capital requirements, and the trajectory of global interest rates.

For a deeper, data-rich analysis of Chubb’s valuation dynamics and scenario modeling, you might explore the company’s profile on ValueRay.

CB Stock Overview

Market Cap in USD	113,441m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1993-03-24
Return 12m vs S&P 500	-8.37%
Analyst Rating	3.45 of 5

CB Dividends

Metric	Value
Dividend Yield	1.27%
Yield on Cost 5y	2.76%
Yield CAGR 5y	3.82%
Payout Consistency	96.1%
Payout Ratio	16.5%

CB Growth Ratios

Metric	Value
CAGR 3y	13.44%
CAGR/Max DD Calmar Ratio	0.70
CAGR/Mean DD Pain Ratio	2.13
Current Volume	1441.9k
Average Volume	1573.7k

Piotroski VR‑10 (Strict, 0-10) 5.0

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 (17.23b) to EBITDA (13.47b) ratio: 1.28 <= 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 45.57%; Δ -17.10pp) >=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'' 1.89

(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

(D) 0.37 = Book Value of Equity 62.06b / Total Liabilities 167.70b

Total Rating: 1.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 83.31

1. Piotroski 5.0pt = 0.0

2. FCF Yield 14.56% = 5.0

3. FCF Margin 22.69% = 5.67

4. Debt/Equity 0.24 = 2.47

5. Debt/Ebitda 1.28 = 1.34

6. ROIC - WACC (= 6.66)% = 8.33

7. RoE 14.28% = 1.19

8. Rev. Trend 87.17% = 6.54

9. EPS Trend 55.32% = 2.77

What is the price of CB shares?

As of November 19, 2025, the stock is trading at USD 296.57 with a total of 1,441,909 shares traded.
Over the past week, the price has changed by +1.42%, over one month by +10.58%, over three months by +9.04% and over the past year by +4.09%.

Is CB a buy, sell or hold?

Chubb has received a consensus analysts rating of 3.45. Therefor, it is recommend to hold CB.

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	307.5	3.7%
Analysts Target Price	307.5	3.7%
ValueRay Target Price	330.3	11.4%

CB Fundamental Data Overview November 11, 2025

Market Cap USD = 113.44b (113.44b USD * 1.0 USD.USD)
P/E Trailing = 12.0506
P/E Forward = 10.6724
P/S = 1.9279
P/B = 1.6165
P/EG = 2.0523
Beta = 0.527
Revenue TTM = 58.70b USD
EBIT TTM = 13.09b USD
EBITDA TTM = 13.47b USD
Long Term Debt = 14.38b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 17.23b USD (from netDebt column, last quarter)
Enterprise Value = 91.48b USD (113.44b + Debt 17.23b - CCE 39.19b)
Interest Coverage Ratio = 17.50 (Ebit TTM 13.09b / Interest Expense TTM 748.0m)
FCF Yield = 14.56% (FCF TTM 13.32b / Enterprise Value 91.48b)
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 91.48b / 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 = 1.28 (Net Debt 17.23b / EBITDA 13.47b)
Debt / FCF = 1.29 (Net Debt 17.23b / 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 = 15.94% (EBIT 13.09b / Capital Employed (Equity 67.75b + L.T.Debt 14.38b))
RoIC = 12.85% (NOPAT 10.44b / Invested Capital 81.27b)
WACC = 6.19% (E(113.44b)/V(130.67b) * Re(6.99%) + D(17.23b)/V(130.67b) * Rd(1.14%) * (1-Tc(0.20)))
Discount Rate = 6.99% (= 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: 55.32 | EPS CAGR: 21.95% | SUE: 3.56 | # QB: 5
Revenue Correlation: 87.17 | Revenue CAGR: 13.11% | SUE: 0.94 | # QB: 1

Additional Sources for CB Stock

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