(CB) Chubb - NYSE
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 127.563m USD | Total Return: 14.3% in 12m
Avg Turnover: 552M
EPS Trend: 90.9%
Qual. Beats: 0
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Chubb Limited (CB) is a global provider of insurance and reinsurance products, operating through six primary segments including North America Commercial, Personal, Agricultural, Overseas General, Global Reinsurance, and Life Insurance. Headquartered in Zurich, the company maintains a diverse portfolio ranging from traditional property and casualty coverage to specialized lines such as cyber, marine, and crop insurance.
As a leader in the Property & Casualty sector, Chubb utilizes a multi-channel distribution model that leverages independent agents, brokers, and direct-to-consumer platforms. The company’s business model emphasizes underwriting discipline and risk diversification, which is critical in an industry where profitability is heavily influenced by the combined ratio-a measure of incurred losses and expenses relative to earned premiums.
For a more granular look at these financial metrics, consider exploring the data on ValueRay.
The firm also provides comprehensive life insurance and reinsurance solutions, including protection, savings, and annuities. Formerly known as ACE Limited, the company adopted the Chubb name in 2016 following a major acquisition, solidifying its position as one of the world’s largest publicly traded property and casualty insurers by market capitalization.
- Commercial premium pricing trends drive underwriting profitability and net interest income
- Elevated catastrophe loss activity impacts quarterly combined ratios and earnings stability
- Expansion into Asian life insurance markets diversifies long-term revenue streams
- Fixed income portfolio yields fluctuate based on Federal Reserve interest rate policy
- Agricultural insurance margins depend on weather patterns and federal crop subsidy levels
| Net Income: 11.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.00 > 1.0 |
| NWC/Revenue: -87.94% < 20% (prev 25.72%; Δ -113.7% < -1%) |
| CFO/TA 0.06 > 3% & CFO 15.9b > Net Income 11.3b |
| Net Debt (-25.5b) to EBITDA (12.5b): -2.04 < 3 |
| Current Ratio: 0.62 > 1.5 & < 3 |
| Outstanding Shares: last quarter (394.6m) vs 12m ago -2.50% < -2% |
| Gross Margin: 35.20% > 18% (prev 26.94%; Δ 8.26% > 0.5%) |
| Asset Turnover: 23.20% > 50% (prev 22.48%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 15.57 > 6 (EBIT TTM 12.2b / Interest Expense TTM 781.0m) |
| A: -0.20 (Total Current Assets 88.9b - Total Current Liabilities 143b) / Total Assets 275b |
| B: 0.25 (Retained Earnings 68.8b / Total Assets 275b) |
| C: 0.05 (EBIT TTM 12.2b / Avg Total Assets 264b) |
| D: 0.38 (Book Value of Equity 73.8b / Total Liabilities 196b) |
| Altman-Z'' = 0.24 = B |
| DSRI: 1.01 (Receivables 38.9b/35.6b, Revenue 61.1b/56.6b) |
| GMI: 0.77 (GM 26.94% / 35.20%) |
| AQI: 0.71 (AQ_t 0.66 / AQ_t-1 0.93) |
| SGI: 1.08 (Revenue 61.1b / 56.6b) |
| TATA: -0.02 (NI 11.3b - CFO 15.9b) / TA 275b) |
| Beneish M = -3.35 (Cap -4..+1) = AA |
As of June 23, 2026, the stock is trading at USD 325.20 with a total of 1,744,628 shares traded. Over the past week, the price has changed by -0.90%, over one month by -0.51%, over three months by -0.05% and over the past year by +14.28%.
Current recommended Stop Loss: 316.00 (which is 2.8% or 1.4 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 | 345 | 6.1% |
P/E Trailing = 11.5603
P/E Forward = 12.0773
P/S = 2.0916
P/B = 1.7186
P/EG = 2.8757
Revenue TTM = 61.1b USD
EBIT TTM = 12.2b USD
EBITDA TTM = 12.5b USD
Long Term Debt = 16.0b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -25.5b USD (calculated: Debt 17.9b - CCE 43.4b)
Enterprise Value = 102b USD (128b + Debt 17.9b - CCE 43.4b)
Interest Coverage Ratio = 15.57 (Ebit TTM 12.2b / Interest Expense TTM 781.0m)
EV/FCF = 6.42x (Enterprise Value 102b / FCF TTM 15.9b)
FCF Yield = 15.57% (FCF TTM 15.9b / Enterprise Value 102b)
FCF Margin = 26.00% (FCF TTM 15.9b / Revenue TTM 61.1b)
Net Margin = 18.48% (Net Income TTM 11.3b / Revenue TTM 61.1b)
Gross Margin = 35.20% ((Revenue TTM 61.1b - Cost of Revenue TTM 39.6b) / Revenue TTM)
Gross Margin QoQ = 46.37% (prev 32.37%)
Tobins Q-Ratio = 0.37 (Enterprise Value 102b / Total Assets 275b)
Interest Expense / Debt = 4.36% (Interest Expense 781.0m / Debt 17.9b)
Taxrate = 19.11% (2.75b / 14.4b)
NOPAT = 9.84b (EBIT 12.2b * (1 - 19.11%))
Current Ratio = 0.62 (Total Current Assets 88.9b / Total Current Liabilities 143b)
Debt / Equity = 0.24 (Debt 17.9b / totalStockholderEquity, last quarter 73.8b)
Debt / EBITDA = -2.04 (Net Debt -25.5b / EBITDA 12.5b)
Debt / FCF = -1.60 (Net Debt -25.5b / FCF TTM 15.9b)
Total Stockholder Equity = 72.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.29% (Net Income 11.3b / Total Assets 275b)
RoE = 15.65% (Net Income TTM 11.3b / Total Stockholder Equity 72.2b)
RoCE = 13.79% (EBIT 12.2b / Capital Employed (Equity 72.2b + L.T.Debt 16.0b))
RoIC = 7.49% (NOPAT 9.84b / Invested Capital 131b)
WACC = 5.48% (E(128b)/V(145b) * Re(5.75%) + D(17.9b)/V(145b) * Rd(4.36%) * (1-Tc(0.19)))
Discount Rate = 5.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -1.76%
[DCF] Terminal Value 76.60% ; FCFF base≈15.3b ; Y1≈16.6b ; Y5≈20.5b
[DCF] Fair Price = 873.5 (EV 313b - Net Debt -25.5b = Equity 339b / Shares 387.9m; r=8.35% [WACC [floored]]; 5y FCF grow 9.43% → 2.50% )
EPS Correlation: 90.87 | EPS CAGR: 14.65% | SUE: 0.52 | # QB: 0
Revenue Correlation: 98.06 | Revenue CAGR: 9.78% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=6.68 | Chg30d=-0.07% | Revisions=-14% | Analysts=22
EPS next Quarter (2026-09-30): EPS=6.28 | Chg30d=+0.08% | Revisions=+8% | Analysts=22
EPS current Year (2026-12-31): EPS=27.09 | Chg30d=+0.01% | Revisions=+38% | GrowthEPS=+9.3% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=29.25 | Chg30d=+0.06% | Revisions=+12% | GrowthEPS=+8.0% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +38%