(CB) Chubb - Overview
Stock: Insurance, Reinsurance, Property, Casualty, Life
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.31% |
| Yield on Cost 5y | 2.54% |
| Yield CAGR 5y | 4.69% |
| Payout Consistency | 96.2% |
| Payout Ratio | 16.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 17.8% |
| Relative Tail Risk | -5.96% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.65 |
| Alpha | 7.65 |
| Character TTM | |
|---|---|
| Beta | 0.248 |
| Beta Downside | 0.305 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.35% |
| CAGR/Max DD | 1.05 |
Description: CB Chubb January 27, 2026
Chubb Ltd (NYSE: CB) is a global insurer and reinsurer operating through six segments: North America Commercial P&C, North America Personal P&C, North America Agricultural, Overseas General Insurance, Global Reinsurance, and Life Insurance. Its product suite spans commercial property-casualty, personal lines (home, auto, cyber, and specialty), agricultural coverages, catastrophe reinsurance, and a broad range of protection-savings life products.
In Q4 2023 Chubb reported a 7.2% year-over-year increase in net written premiums to $18.9 billion, driven by strong growth in its North America Commercial P&C and Global Reinsurance businesses. The combined ratio for the Commercial P&C segment improved to 92.5%, reflecting disciplined underwriting and lower catastrophe losses, while the Life segment posted a 5.1% rise in new business volume. Return on equity (ROE) for the full year 2023 stood at 13.8%, above the industry median of 9.5%, and the company’s diluted EPS grew 12% to $13.64.
Key macro drivers include a low-interest-rate environment that pressures investment income, rising frequency of natural-catastrophe events that elevate reinsurance demand, and accelerating cyber-risk exposure fueling premium growth in specialty lines.
For a deeper, data-driven assessment of Chubb’s valuation dynamics, you may find ValueRay’s analytical platform useful.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 9.68b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.98 > 1.0 |
| NWC/Revenue: 25.22% < 20% (prev 33.55%; Δ -8.33% < -1%) |
| CFO/TA 0.05 > 3% & CFO 13.32b > Net Income 9.68b |
| Net Debt (14.98b) to EBITDA (13.47b): 1.11 < 3 |
| Current Ratio: 10.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (403.2m) vs 12m ago -1.15% < -2% |
| Gross Margin: 28.46% > 18% (prev 0.28%; Δ 2818 % > 0.5%) |
| Asset Turnover: 22.54% > 50% (prev 22.02%; Δ 0.52% > 0%) |
| Interest Coverage Ratio: 17.50 > 6 (EBITDA TTM 13.47b / Interest Expense TTM 748.0m) |
Altman Z'' 1.84
| A: 0.05 (Total Current Assets 16.30b - Total Current Liabilities 1.50b) / Total Assets 270.21b |
| B: 0.25 (Retained Earnings 66.72b / Total Assets 270.21b) |
| C: 0.05 (EBIT TTM 13.09b / Avg Total Assets 260.38b) |
| D: 0.32 (Book Value of Equity 62.06b / Total Liabilities 192.40b) |
| Altman-Z'' Score: 1.84 = BBB |
Beneish M -3.01
| DSRI: 0.97 (Receivables 36.83b/35.61b, Revenue 58.70b/55.18b) |
| GMI: 1.00 (GM 28.46% / 28.36%) |
| AQI: 1.01 (AQ_t 0.93 / AQ_t-1 0.92) |
| SGI: 1.06 (Revenue 58.70b / 55.18b) |
| TATA: -0.01 (NI 9.68b - CFO 13.32b) / TA 270.21b) |
| Beneish M-Score: -3.01 (Cap -4..+1) = AA |
What is the price of CB shares?
Over the past week, the price has changed by +2.56%, over one month by +0.38%, over three months by +12.22% and over the past year by +15.13%.
Is CB a buy, sell or hold?
- StrongBuy: 4
- Buy: 5
- Hold: 10
- Sell: 3
- StrongSell: 0
What are the forecasts/targets for the CB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 320.6 | 3% |
| Analysts Target Price | 320.6 | 3% |
| ValueRay Target Price | 354.5 | 13.9% |
CB Fundamental Data Overview January 31, 2026
P/E Forward = 11.236
P/S = 2.0975
P/B = 1.6769
P/EG = 1.8425
Revenue TTM = 58.70b USD
EBIT TTM = 13.09b USD
EBITDA TTM = 13.47b USD
Long Term Debt = 15.73b USD (from longTermDebt, last quarter)
Short Term Debt = 1.50b USD (from shortTermDebt, last quarter)
Debt = 17.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.98b USD (from netDebt column, last quarter)
Enterprise Value = 98.66b USD (123.42b + Debt 17.23b - CCE 41.99b)
Interest Coverage Ratio = 17.50 (Ebit TTM 13.09b / Interest Expense TTM 748.0m)
EV/FCF = 7.41x (Enterprise Value 98.66b / FCF TTM 13.32b)
FCF Yield = 13.50% (FCF TTM 13.32b / Enterprise Value 98.66b)
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 = 0.37 (Enterprise Value 98.66b / 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 = 1.11 (Net Debt 14.98b / EBITDA 13.47b)
Debt / FCF = 1.12 (Net Debt 14.98b / FCF TTM 13.32b)
Total Stockholder Equity = 67.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.72% (Net Income 9.68b / Total Assets 270.21b)
RoE = 14.28% (Net Income TTM 9.68b / Total Stockholder Equity 67.75b)
RoCE = 15.68% (EBIT 13.09b / Capital Employed (Equity 67.75b + L.T.Debt 15.73b))
RoIC = 12.55% (NOPAT 10.44b / Invested Capital 83.22b)
WACC = 6.11% (E(123.42b)/V(140.64b) * Re(6.83%) + D(17.23b)/V(140.64b) * Rd(1.14%) * (1-Tc(0.20)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.92%
[DCF Debug] Terminal Value 86.15% ; FCFF base≈13.91b ; Y1≈14.86b ; Y5≈17.95b
Fair Price DCF = 1225 (EV 497.27b - Net Debt 14.98b = Equity 482.28b / Shares 393.6m; r=6.11% [WACC]; 5y FCF grow 7.60% → 2.90% )
EPS Correlation: 72.39 | EPS CAGR: 19.75% | SUE: 4.0 | # QB: 5
Revenue Correlation: 91.60 | Revenue CAGR: 12.20% | SUE: 0.94 | # QB: 1
EPS next Quarter (2026-03-31): EPS=6.56 | Chg30d=-0.003 | Revisions Net=+3 | Analysts=18
EPS next Year (2026-12-31): EPS=26.43 | Chg30d=+0.186 | Revisions Net=+2 | Growth EPS=+10.1% | Growth Revenue=+5.6%