(CB) Chubb - Ratings and Ratios
Insurance, Reinsurance, Liability, Property, Casualty
CB EPS (Earnings per Share)
CB Revenue
Description: CB Chubb
Chubb Ltd (NYSE:CB) is a global insurance and reinsurance company operating through six business segments, offering a diverse range of products including property and casualty insurance, life insurance, and reinsurance. The companys broad portfolio includes package policies, workers compensation, cyber insurance, and specialty insurance products for individuals and businesses.
From a financial perspective, Chubb Ltd has demonstrated stability and profitability. Key performance indicators (KPIs) such as Return on Equity (RoE) of 13.19% indicate a strong ability to generate profits from shareholders equity. The companys Price-to-Earnings (P/E) ratio of 13.68 and Forward P/E of 12.92 suggest a relatively stable valuation compared to its earnings. With a Market Capitalization of $113.73 billion, Chubb Ltd is a significant player in the global insurance industry.
Further analysis of Chubbs business reveals a diversified revenue stream across different regions and product lines. The companys presence in the property and casualty insurance market, as well as its life insurance and reinsurance businesses, provides a degree of resilience to market fluctuations. Additionally, Chubbs global footprint, with operations in multiple countries, allows it to capitalize on growth opportunities in various markets.
To evaluate Chubbs performance, one can also consider other KPIs such as the combined ratio, which measures the companys underwriting profitability, and the investment yield, which reflects the returns on its investment portfolio. A combined ratio below 100% indicates profitable underwriting, while a higher investment yield can contribute to the companys overall profitability. By analyzing these metrics, investors can gain a more comprehensive understanding of Chubbs financial health and growth prospects.
CB Stock Overview
| Market Cap in USD | 106,610m |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| GiC Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1993-03-24 |
CB Stock Ratings
| Growth Rating | 73.6 |
| Fundamental | 79.6% |
| Dividend Rating | 55.4 |
| Rel. Strength | -18.1 |
| Analysts | 3.45 of 5 |
| Fair Price Momentum | 275.43 USD |
| Fair Price DCF | 805.13 USD |
CB Dividends
| Dividend Yield 12m | 1.34% |
| Yield on Cost 5y | 3.07% |
| Annual Growth 5y | 3.05% |
| Payout Consistency | 96.7% |
| Payout Ratio | 17.2% |
CB Growth Ratios
| Growth Correlation 3m | -85.8% |
| Growth Correlation 12m | 9.4% |
| Growth Correlation 5y | 94.9% |
| CAGR 5y | 17.58% |
| CAGR/Max DD 5y | 0.91 |
| Sharpe Ratio 12m | 0.14 |
| Alpha | -6.79 |
| Beta | 0.268 |
| Volatility | 17.13% |
| Current Volume | 961.2k |
| Average Volume 20d | 2042.4k |
| Stop Loss | 263.1 (-3%) |
As of August 10, 2025, the stock is trading at USD 271.24 with a total of 961,206 shares traded.
Over the past week, the price has changed by +1.44%, over one month by -3.11%, over three months by -5.82% and over the past year by +2.07%.
Partly, yes. Based on ValueRay´s Fundamental Analyses, Chubb (NYSE:CB) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 79.58 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CB is around 275.43 USD . This means that CB is currently overvalued and has a potential downside of 1.54%.
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
According to our own proprietary Forecast Model, CB Chubb will be worth about 297.5 in August 2026. The stock is currently trading at 271.24. This means that the stock has a potential upside of +9.67%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 300.4 | 10.8% |
| Analysts Target Price | 304.1 | 12.1% |
| ValueRay Target Price | 297.5 | 9.7% |
Piotroski VR‑10 (Strict) 4.5
| Net Income (9.20b TTM) > 0 and > 6% of Revenue (6% = 3.46b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -1.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 23.66% (prev -141.1%; Δ 164.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 15.57b > Net Income 9.20b (YES >=105%, WARN >=100%) |
| Net Debt (12.79b) to EBITDA (8.58b) ratio: 1.49 <= 3.0 (WARN <= 3.5) |
| Current Ratio 18.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (403.8m) change vs 12m ago -1.18% (target <= -2.0% for YES) |
| Gross Margin 45.29% (prev 64.80%; Δ -19.51pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 23.03% (prev 22.62%; Δ 0.41pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 11.22 (EBITDA TTM 8.58b / Interest Expense TTM 743.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.71
| (A) 0.05 = (Total Current Assets 14.43b - Total Current Liabilities 800.0m) / Total Assets 261.56b |
| (B) 0.24 = Retained Earnings (Balance) 63.92b / Total Assets 261.56b |
| (C) 0.03 = EBIT TTM 8.34b / Avg Total Assets 250.06b |
| (D) 0.33 = Book Value of Equity 64.15b / Total Liabilities 192.17b |
| Total Rating: 1.71 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay Score 79.58
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 11.74% = 5.0 |
| 3. FCF Margin 24.31% = 4.05 |
| 4. Debt/Equity 0.22 = 2.48 |
| 5. Debt/Ebitda 1.75 = 0.50 |
| 6. ROIC - WACC 2.36% = 2.36 |
| 7. RoE 13.89% = 2.31 |
| 8. Rev. Trend 83.01% = 5.0 |
| 9. Rev. CAGR 7.06% = 0.88 |
| 10. EPS Trend 58.73% = 5.0 |
| 11. EPS CAGR 55.89% = 2.50 |
CB Fundamental Data Overview
CCE Cash And Equivalents = 2.37b USD (Cash only, last quarter)
P/E Trailing = 11.8057
P/E Forward = 12.3762
P/S = 1.8545
P/B = 1.5363
P/EG = 2.3796
Beta = 0.537
Revenue TTM = 57.59b USD
EBIT TTM = 8.34b USD
EBITDA TTM = 8.58b USD
Long Term Debt = 13.48b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 14.98b USD (Calculated: Short Term 1.50b + Long Term 13.48b)
Net Debt = 12.79b USD (from netDebt column, last quarter)
Enterprise Value = 119.21b USD (106.61b + Debt 14.98b - CCE 2.37b)
Interest Coverage Ratio = 11.22 (Ebit TTM 8.34b / Interest Expense TTM 743.0m)
FCF Yield = 11.74% (FCF TTM 14.00b / Enterprise Value 119.21b)
FCF Margin = 24.31% (FCF TTM 14.00b / Revenue TTM 57.59b)
Net Margin = 15.97% (Net Income TTM 9.20b / Revenue TTM 57.59b)
Gross Margin = 45.29% ((Revenue TTM 57.59b - Cost of Revenue TTM 31.51b) / Revenue TTM)
Tobins Q-Ratio = 1.86 (Enterprise Value 119.21b / Book Value Of Equity 64.15b)
Interest Expense / Debt = 1.21% (Interest Expense 181.0m / Debt 14.98b)
Taxrate = 15.84% (from yearly Income Tax Expense: 1.81b / 11.46b)
NOPAT = 7.02b (EBIT 8.34b * (1 - 15.84%))
Current Ratio = 18.03 (Total Current Assets 14.43b / Total Current Liabilities 800.0m)
Debt / Equity = 0.22 (Debt 14.98b / last Quarter total Stockholder Equity 69.39b)
Debt / EBITDA = 1.75 (Net Debt 12.79b / EBITDA 8.58b)
Debt / FCF = 1.07 (Debt 14.98b / FCF TTM 14.00b)
Total Stockholder Equity = 66.22b (last 4 quarters mean)
RoA = 3.52% (Net Income 9.20b, Total Assets 261.56b )
RoE = 13.89% (Net Income TTM 9.20b / Total Stockholder Equity 66.22b)
RoCE = 10.46% (Ebit 8.34b / (Equity 66.22b + L.T.Debt 13.48b))
RoIC = 8.62% (NOPAT 7.02b / Invested Capital 81.42b)
WACC = 6.26% (E(106.61b)/V(121.59b) * Re(7.0%)) + (D(14.98b)/V(121.59b) * Rd(1.21%) * (1-Tc(0.16)))
Shares Correlation 5-Years: -70.0 | Cagr: -1.38%
Discount Rate = 7.0% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.86% ; FCFE base≈14.47b ; Y1≈15.45b ; Y5≈18.66b
Fair Price DCF = 805.1 (DCF Value 321.00b / Shares Outstanding 398.7m; 5y FCF grow 7.60% → 2.90% )
Revenue Correlation: 83.01 | Revenue CAGR: 7.06%
Revenue Growth Correlation: -84.52%
EPS Correlation: 58.73 | EPS CAGR: 55.89%
EPS Growth Correlation: -76.58%
Additional Sources for CB Stock
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