CHUBB LTD (1CB.MI) Stock Fundamental Analysis
BIT:1CB - Euronext Milan - CH0044328745 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to 1CB. 1CB was compared to 41 industry peers in the Insurance industry. While 1CB belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. 1CB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
1CB had positive earnings in the past year.
In the past year 1CB had a positive cash flow from operations.
In the past 5 years 1CB has always been profitable.
1CB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.36%, 1CB belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
1CB has a Return On Equity (12.87%) which is comparable to the rest of the industry.
With an excellent Return On Invested Capital value of 3.85%, 1CB belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1CB is in line with the industry average of 2.11%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.36% | ||
| ROE | 12.87% | ||
| ROIC | 3.85% |
ROA(3y)3.45%
ROA(5y)3.29%
ROE(3y)13.39%
ROE(5y)12.08%
ROIC(3y)3.87%
ROIC(5y)3.5%
1.3 Margins
With an excellent Profit Margin value of 15.05%, 1CB belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
In the last couple of years the Profit Margin of 1CB has grown nicely.
1CB has a better Operating Margin (18.58%) than 80.00% of its industry peers.
1CB's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.58% | ||
| PM (TTM) | 15.05% | ||
| GM | N/A |
OM growth 3Y1.6%
OM growth 5Y5.71%
PM growth 3Y-7.25%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1CB is destroying value.
The number of shares outstanding for 1CB has been reduced compared to 1 year ago.
The number of shares outstanding for 1CB has been reduced compared to 5 years ago.
1CB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of 1CB is 1.03, which is an excellent value as it means it would take 1CB, only 1.03 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.03, 1CB belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that 1CB is not too dependend on debt financing.
The Debt to Equity ratio of 1CB (0.23) is better than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACC0.82
WACC4.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for 1CB have decreased by -0.10% in the last year.
The Earnings Per Share has been growing by 17.36% on average over the past years. This is quite good.
The Revenue has grown by 9.00% in the past year. This is quite good.
1CB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.24% yearly.
EPS 1Y (TTM)-0.1%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%-31.98%
Revenue 1Y (TTM)9%
Revenue growth 3Y10.82%
Revenue growth 5Y10.24%
Sales Q2Q%-15.26%
3.2 Future
1CB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.12% yearly.
The Revenue is expected to grow by 4.87% on average over the next years.
EPS Next Y-2.12%
EPS Next 2Y8.02%
EPS Next 3Y8.4%
EPS Next 5Y3.12%
Revenue Next Year4.89%
Revenue Next 2Y5.46%
Revenue Next 3Y4.87%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.83, which indicates a correct valuation of 1CB.
Compared to the rest of the industry, the Price/Earnings ratio of 1CB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.92. 1CB is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 10.94, which indicates a very decent valuation of 1CB.
The rest of the industry has a similar Price/Forward Earnings ratio as 1CB.
1CB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 10.94 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1CB is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as 1CB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.94 | ||
| EV/EBITDA | 11.89 |
4.3 Compensation for Growth
The decent profitability rating of 1CB may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y8.02%
EPS Next 3Y8.4%
5. Dividend
5.1 Amount
1CB has a Yearly Dividend Yield of 1.37%.
Compared to an average industry Dividend Yield of 4.52, 1CB's dividend is way lower than its industry peers. On top of this 92.50% of the companies listed in the same industry pay a better dividend than 1CB!
Compared to an average S&P500 Dividend Yield of 2.43, 1CB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
The dividend of 1CB has a limited annual growth rate of 3.69%.
Dividend Growth(5Y)3.69%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
17.17% of the earnings are spent on dividend by 1CB. This is a low number and sustainable payout ratio.
The dividend of 1CB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP17.17%
EPS Next 2Y8.02%
EPS Next 3Y8.4%
BIT:1CB (6/20/2025, 7:00:00 PM)
246
+246 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners84.59%
Inst Owner ChangeN/A
Ins Owners0.59%
Ins Owner ChangeN/A
Market Cap98.58B
Analysts73.55
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly Dividend3.04
Dividend Growth(5Y)3.69%
DP17.17%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.9%
Min EPS beat(2)7.46%
Max EPS beat(2)12.34%
EPS beat(4)4
Avg EPS beat(4)8.16%
Min EPS beat(4)1.42%
Max EPS beat(4)12.34%
EPS beat(8)7
Avg EPS beat(8)6.64%
EPS beat(12)9
Avg EPS beat(12)6.08%
EPS beat(16)13
Avg EPS beat(16)7.98%
Revenue beat(2)0
Avg Revenue beat(2)-5.65%
Min Revenue beat(2)-5.86%
Max Revenue beat(2)-5.44%
Revenue beat(4)2
Avg Revenue beat(4)4.76%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)15.38%
Revenue beat(8)6
Avg Revenue beat(8)11.44%
Revenue beat(12)9
Avg Revenue beat(12)11%
Revenue beat(16)13
Avg Revenue beat(16)11.62%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 10.94 | ||
| P/S | 2.05 | ||
| P/FCF | 7.94 | ||
| P/OCF | 7.94 | ||
| P/B | 1.75 | ||
| P/tB | 2.91 | ||
| EV/EBITDA | 11.89 |
EPS(TTM)17.79
EY7.23%
EPS(NY)22.48
Fwd EY9.14%
FCF(TTM)31
FCFY12.6%
OCF(TTM)31
OCFY12.6%
SpS119.94
BVpS140.24
TBVpS84.6
PEG (NY)N/A
PEG (5Y)0.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.36% | ||
| ROE | 12.87% | ||
| ROCE | 4.31% | ||
| ROIC | 3.85% | ||
| ROICexc | 3.89% | ||
| ROICexgc | 5.49% | ||
| OM | 18.58% | ||
| PM (TTM) | 15.05% | ||
| GM | N/A | ||
| FCFM | 25.85% |
ROA(3y)3.45%
ROA(5y)3.29%
ROE(3y)13.39%
ROE(5y)12.08%
ROIC(3y)3.87%
ROIC(5y)3.5%
ROICexc(3y)3.91%
ROICexc(5y)3.54%
ROICexgc(3y)5.62%
ROICexgc(5y)5.08%
ROCE(3y)4.34%
ROCE(5y)3.93%
ROICexcg growth 3Y1.22%
ROICexcg growth 5Y7.14%
ROICexc growth 3Y2.45%
ROICexc growth 5Y7.69%
OM growth 3Y1.6%
OM growth 5Y5.71%
PM growth 3Y-7.25%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.03 | ||
| Debt/EBITDA | 1.39 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 16.5 | ||
| Cash Conversion | 134.99% | ||
| Profit Quality | 171.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.72%
ROIC/WACC0.82
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)175.35%
Profit Quality(5y)186.72%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.1%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%-31.98%
EPS Next Y-2.12%
EPS Next 2Y8.02%
EPS Next 3Y8.4%
EPS Next 5Y3.12%
Revenue 1Y (TTM)9%
Revenue growth 3Y10.82%
Revenue growth 5Y10.24%
Sales Q2Q%-15.26%
Revenue Next Year4.89%
Revenue Next 2Y5.46%
Revenue Next 3Y4.87%
Revenue Next 5YN/A
EBIT growth 1Y4.89%
EBIT growth 3Y12.59%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.43%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y31.43%
OCF growth 3Y13.22%
OCF growth 5Y20.6%