(CB) Chubb - Ratings and Ratios
Property, Liability, Auto, Crop, Life
CB EPS (Earnings per Share)
CB Revenue
Description: CB Chubb
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 | 112,833m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1993-03-24 |
CB Stock Ratings
| Growth Rating | 53.1% |
| Fundamental | 81.1% |
| Dividend Rating | 55.7% |
| Return 12m vs S&P 500 | -12.2% |
| Analyst Rating | 3.45 of 5 |
CB Dividends
| Dividend Yield 12m | 1.34% |
| Yield on Cost 5y | 3.30% |
| Annual Growth 5y | 3.05% |
| Payout Consistency | 96.1% |
| Payout Ratio | 17.4% |
CB Growth Ratios
| Growth Correlation 3m | 70.4% |
| Growth Correlation 12m | -0.7% |
| Growth Correlation 5y | 94.4% |
| CAGR 5y | 16.30% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.85 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.65 |
| Sharpe Ratio 12m | -0.07 |
| Alpha | -8.11 |
| Beta | 0.546 |
| Volatility | 17.21% |
| Current Volume | 1283.8k |
| Average Volume 20d | 1583.6k |
| Stop Loss | 274.5 (-3%) |
| Signal | 0.10 |
Piotroski VR‑10 (Strict, 0-10) 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 26.50% (prev -141.0%; Δ 167.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 14.00b > Net Income 9.20b (YES >=105%, WARN >=100%) |
| Net Debt (12.79b) to EBITDA (12.55b) ratio: 1.02 <= 3.0 (WARN <= 3.5) |
| Current Ratio 11.19 (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 27.30% (prev 64.82%; Δ -37.51pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 23.06% (prev 22.63%; Δ 0.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 16.47 (EBITDA TTM 12.55b / Interest Expense TTM 743.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.83
| (A) 0.06 = (Total Current Assets 16.78b - Total Current Liabilities 1.50b) / Total Assets 261.56b |
| (B) 0.24 = Retained Earnings (Balance) 63.92b / Total Assets 261.56b |
| (C) 0.05 = EBIT TTM 12.24b / Avg Total Assets 250.06b |
| (D) 0.31 = Book Value of Equity 58.09b / Total Liabilities 187.12b |
| Total Rating: 1.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 81.13
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 16.01% = 5.0 |
| 3. FCF Margin 24.28% = 6.07 |
| 4. Debt/Equity 0.22 = 2.48 |
| 5. Debt/Ebitda 1.02 = 1.74 |
| 6. ROIC - WACC (= 4.85)% = 6.06 |
| 7. RoE 13.89% = 1.16 |
| 8. Rev. Trend 82.81% = 6.21 |
| 9. EPS Trend 58.41% = 2.92 |
What is the price of CB shares?
Over the past week, the price has changed by -1.18%, over one month by +1.76%, over three months by +1.35% and over the past year by -0.67%.
Is Chubb a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CB is around 291.63 USD . This means that CB is currently overvalued and has a potential downside of 3.05%.
Is CB a buy, sell or hold?
- 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 | 304 | 7.4% |
| Analysts Target Price | 304 | 7.4% |
| ValueRay Target Price | 321.6 | 13.6% |
Last update: 2025-10-13 02:05
CB Fundamental Data Overview
P/E Trailing = 12.5004
P/E Forward = 10.6724
P/S = 1.9628
P/B = 1.6165
P/EG = 2.0523
Beta = 0.546
Revenue TTM = 57.66b USD
EBIT TTM = 12.24b USD
EBITDA TTM = 12.55b 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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.79b USD (from netDebt column, last quarter)
Enterprise Value = 87.44b USD (112.83b + Debt 14.98b - CCE 40.37b)
Interest Coverage Ratio = 16.47 (Ebit TTM 12.24b / Interest Expense TTM 743.0m)
FCF Yield = 16.01% (FCF TTM 14.00b / Enterprise Value 87.44b)
FCF Margin = 24.28% (FCF TTM 14.00b / Revenue TTM 57.66b)
Net Margin = 15.95% (Net Income TTM 9.20b / Revenue TTM 57.66b)
Gross Margin = 27.30% ((Revenue TTM 57.66b - Cost of Revenue TTM 41.92b) / Revenue TTM)
Gross Margin QoQ = 30.12% (prev 21.90%)
Tobins Q-Ratio = 0.33 (Enterprise Value 87.44b / Total Assets 261.56b)
Interest Expense / Debt = 1.21% (Interest Expense 181.0m / Debt 14.98b)
Taxrate = 19.29% (717.0m / 3.72b)
NOPAT = 9.88b (EBIT 12.24b * (1 - 19.29%))
Current Ratio = 11.19 (Total Current Assets 16.78b / Total Current Liabilities 1.50b)
Debt / Equity = 0.22 (Debt 14.98b / totalStockholderEquity, last quarter 69.39b)
Debt / EBITDA = 1.02 (Net Debt 12.79b / EBITDA 12.55b)
Debt / FCF = 0.91 (Net Debt 12.79b / FCF TTM 14.00b)
Total Stockholder Equity = 66.22b (last 4 quarters mean from totalStockholderEquity)
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 = 15.35% (EBIT 12.24b / Capital Employed (Equity 66.22b + L.T.Debt 13.48b))
RoIC = 12.13% (NOPAT 9.88b / Invested Capital 81.42b)
WACC = 7.28% (E(112.83b)/V(127.81b) * Re(8.12%) + D(14.98b)/V(127.81b) * Rd(1.21%) * (1-Tc(0.19)))
Discount Rate = 8.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.84%
[DCF Debug] Terminal Value 78.97% ; FCFE base≈14.47b ; Y1≈15.45b ; Y5≈18.70b
Fair Price DCF = 808.8 (DCF Value 322.47b / Shares Outstanding 398.7m; 5y FCF grow 7.60% → 3.0% )
EPS Correlation: 58.41 | EPS CAGR: 27.18% | SUE: 0.86 | # QB: 4
Revenue Correlation: 82.81 | Revenue CAGR: 7.92% | SUE: 0.68 | # QB: 0
Additional Sources for CB Stock
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Fund Manager Positions: Dataroma | Stockcircle