CB Stock Analysis: Chubb | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 136.940m USD | 12M Return: 28% | CH0044328745 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 506M
EPS Trend: 91.1%
Qual. Beats: 2
Rev. Trend: 98.5%
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: 11.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.49 > 1.0 |
| NWC/Revenue: -10.42% < 20% (prev -92.70%; Δ 82.28% < -1%) |
| CFO/TA 0.06 > 3% & CFO 16.1b > Net Income 11.1b |
| Net Debt (10.8b) to EBITDA (11.7b): 0.92 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (389.4m) vs 12m ago -3.43% < -2% |
| Gross Margin: 42.69% > 18% (prev 28.78%; Δ 13.91% > 0.5%) |
| Asset Turnover: 22.42% > 50% (prev 21.70%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 14.14 > 6 (EBIT TTM 11.4b / Interest Expense TTM 807.0m) |
| A: -0.02 (Total Current Assets 31.0b - Total Current Liabilities 37.4b) / Total Assets 284b |
| B: 0.25 (Retained Earnings 70.0b / Total Assets 284b) |
| C: 0.04 (EBIT TTM 11.4b / Avg Total Assets 277b) |
| D: 0.36 (Book Value of Equity 73.2b / Total Liabilities 205b) |
| Altman-Z'' = 1.31 = BB |
| DSRI: 0.45 (Receivables 18.2b/38.3b, Revenue 62.1b/58.6b) |
| GMI: 0.67 (GM 28.78% / 42.69%) |
| AQI: 1.32 (AQ_t 0.87 / AQ_t-1 0.66) |
| SGI: 1.06 (Revenue 62.1b / 58.6b) |
| TATA: -0.02 (NI 11.1b - CFO 16.1b) / TA 284b) |
| Beneish M = -3.55 (Cap -4..+1) = AAA |
As of October 28, 2026, the stock is trading at USD 356.25 with a total of 1,637,860 shares traded. Over the past week, the price has changed by -0.42%, over one month by +7.51%, over three months by -0.44% and over the past year by +28.03%.
Current recommended Stop Loss: 340.70 (which is 4.4% or 2.5 ATR below the current price).
Chubb has received a consensus analysts rating of 3.56. Therefore, it is recommended to hold CB.
- StrongBuy: 7
- Buy: 2
- Hold: 14
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 368.3 | 3.4% |
P/E Trailing = 12.5203
P/E Forward = 11.6009
P/S = 2.2124
P/B = 1.7158
P/EG = 2.5224
Revenue TTM = 62.1b USD
EBIT TTM = 11.4b USD
EBITDA TTM = 11.7b USD
Long Term Debt = 15.7b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.50b USD (from shortTermDebt, last fiscal year)
Debt = 19.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.8b USD (calculated: Debt 19.1b - CCE 8.30b)
Enterprise Value = 148b USD (137b + Debt 19.1b - CCE 8.30b)
Interest Coverage Ratio = 14.14 (Ebit TTM 11.4b / Interest Expense TTM 807.0m)
EV/FCF = 9.19x (Enterprise Value 148b / FCF TTM 16.1b)
FCF Yield = 10.88% (FCF TTM 16.1b / Enterprise Value 148b)
FCF Margin = 25.90% (FCF TTM 16.1b / Revenue TTM 62.1b)
Net Margin = 17.96% (Net Income TTM 11.1b / Revenue TTM 62.1b)
Gross Margin = 42.69% ((Revenue TTM 62.1b - Cost of Revenue TTM 35.6b) / Revenue TTM)
Gross Margin QoQ = 44.41% (prev 47.48%)
Tobins Q-Ratio = 0.52 (Enterprise Value 148b / Total Assets 284b)
Interest Expense / Debt = 4.23% (Interest Expense 807.0m / Debt 19.1b)
Taxrate = 19.50% (2.65b / 13.6b)
NOPAT = 9.18b (EBIT 11.4b * (1 - 19.50%))
Current Ratio = 0.83 (Total Current Assets 31.0b / Total Current Liabilities 37.4b)
Debt / Equity = 0.26 (Debt 19.1b / totalStockholderEquity, last quarter 73.2b)
Debt / EBITDA = 0.92 (Net Debt 10.8b / EBITDA 11.7b)
Debt / FCF = 0.67 (Net Debt 10.8b / FCF TTM 16.1b)
Total Stockholder Equity = 74.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.03% (Net Income 11.1b / Total Assets 284b)
RoE = 15.06% (Net Income TTM 11.1b / Total Stockholder Equity 74.0b)
RoCE = 12.71% (EBIT 11.4b / Capital Employed (Equity 74.0b + L.T.Debt 15.7b))
RoIC = 3.76% (NOPAT 9.18b / Invested Capital 244b)
WACC = 4.56% (E(137b)/V(156b) * Re(4.72%) + D(19.1b)/V(156b) * Rd(4.23%) * (1-Tc(0.20)))
Discount Rate = 4.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.81 | Cagr: -2.12%
[DCF] Terminal Value 77.95% ; FCFF base≈15.2b ; Y1≈17.5b ; Y5≈25.6b
[DCF] Fair Price = 970.7 (EV 385b - Net Debt 10.8b = Equity 374b / Shares 385.8m; r=8.35% [WACC [floored]]; 5y FCF grow 14.84% → 2.50% )
EPS Correlation: 91.06 | EPS CAGR: 14.92% | SUE: 3.10 | # QB: 2
Revenue Correlation: 98.49 | Revenue CAGR: 7.82% | SUE: 0.64 | # QB: 0
EPS current Quarter (2027-03-31): EPS=7.24 | Chg30d=+0.49% | Revisions=+44% | Analysts=17
EPS current Year (2026-12-31): EPS=28.50 | Chg30d=+2.81% | Revisions=+69% | GrowthEPS=+15.0% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=29.29 | Chg30d=+0.66% | Revisions=+53% | GrowthEPS=+2.8% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +68% (up=27, down=4)