CHUBB LTD (CB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CB - CH0044328745 - Common Stock
300.77 USD
-0.34 (-0.11%)
299.036 USD
-1.73 (-0.58%)
Overall CB gets a fundamental rating of 5 out of 10. We evaluated CB against 146 industry peers in the Insurance industry. CB has only an average score on both its financial health and profitability. CB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CB was profitable.
- In the past year CB had a positive cash flow from operations.
- CB had positive earnings in each of the past 5 years.
- Each year in the past 5 years CB had a positive operating cash flow.
1.2 Ratios
- CB has a Return On Assets of 3.58%. This is in the better half of the industry: CB outperforms 71.92% of its industry peers.
- CB has a Return On Equity of 13.46%. This is comparable to the rest of the industry: CB outperforms 58.90% of its industry peers.
- CB has a better Return On Invested Capital (4.37%) than 75.34% of its industry peers.
- CB had an Average Return On Invested Capital over the past 3 years of 3.86%. This is significantly below the industry average of 15.11%.
- The last Return On Invested Capital (4.37%) for CB is above the 3 year average (3.86%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 13.46% | ||
| ROIC | 4.37% |
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)3.86%
ROIC(5y)3.49%
1.3 Margins
- CB's Profit Margin of 16.54% is amongst the best of the industry. CB outperforms 83.56% of its industry peers.
- In the last couple of years the Profit Margin of CB has grown nicely.
- With a decent Operating Margin value of 21.76%, CB is doing good in the industry, outperforming 78.77% of the companies in the same industry.
- In the last couple of years the Operating Margin of CB has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.76% | ||
| PM (TTM) | 16.54% | ||
| GM | N/A |
OM growth 3Y1.62%
OM growth 5Y5.71%
PM growth 3Y-7.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CB has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, CB has less shares outstanding
- CB has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for CB has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of CB is 1.32, which is an excellent value as it means it would take CB, only 1.32 years of fcf income to pay off all of its debts.
- CB has a Debt to FCF ratio of 1.32. This is in the better half of the industry: CB outperforms 62.33% of its industry peers.
- A Debt/Equity ratio of 0.25 indicates that CB is not too dependend on debt financing.
- CB's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. CB outperforms 63.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.32 | ||
| Altman-Z | N/A |
ROIC/WACC0.91
WACC4.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.80%.
- The Earnings Per Share has been growing by 17.36% on average over the past years. This is quite good.
- The Revenue has been growing slightly by 7.22% in the past year.
- CB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.24% yearly.
EPS 1Y (TTM)5.8%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%30.94%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.35%
3.2 Future
- The Earnings Per Share is expected to grow by 2.81% on average over the next years.
- The Revenue is expected to grow by 4.90% on average over the next years.
EPS Next Y8.88%
EPS Next 2Y9.71%
EPS Next 3Y9.53%
EPS Next 5Y2.81%
Revenue Next Year4.38%
Revenue Next 2Y4.88%
Revenue Next 3Y4.9%
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
- CB is valuated correctly with a Price/Earnings ratio of 12.89.
- CB's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of CB to the average of the S&P500 Index (27.47), we can say CB is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.09 indicates a reasonable valuation of CB.
- CB's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. CB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
- CB's Enterprise Value to EBITDA is on the same level as the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as CB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.89 | ||
| EV/EBITDA | 10.14 |
4.3 Compensation for Growth
- CB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.45
PEG (5Y)0.74
EPS Next 2Y9.71%
EPS Next 3Y9.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.24%, CB has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.42, CB has a dividend in line with its industry peers.
- CB's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.24% |
5.2 History
- The dividend of CB has a limited annual growth rate of 3.70%.
- CB has been paying a dividend for at least 10 years, so it has a reliable track record.
- CB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)3.7%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- 15.38% of the earnings are spent on dividend by CB. This is a low number and sustainable payout ratio.
- CB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.38%
EPS Next 2Y9.71%
EPS Next 3Y9.53%
300.77
-0.34 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners82.56%
Inst Owner Change0.05%
Ins Owners0.59%
Ins Owner Change-1.75%
Market Cap118.37B
Revenue(TTM)58.51B
Net Income(TTM)9.68B
Analysts71.76
Price Target316.63 (5.27%)
Short Float %0.97%
Short Ratio1.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.24% |
Yearly Dividend3.56
Dividend Growth(5Y)3.7%
DP15.38%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.01%
Min EPS beat(2)-0.21%
Max EPS beat(2)18.24%
EPS beat(4)3
Avg EPS beat(4)9.46%
Min EPS beat(4)-0.21%
Max EPS beat(4)18.24%
EPS beat(8)6
Avg EPS beat(8)6.83%
EPS beat(12)8
Avg EPS beat(12)4.99%
EPS beat(16)12
Avg EPS beat(16)6.88%
Revenue beat(2)0
Avg Revenue beat(2)-3.49%
Min Revenue beat(2)-4.32%
Max Revenue beat(2)-2.66%
Revenue beat(4)0
Avg Revenue beat(4)-4.57%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)-2.66%
Revenue beat(8)0
Avg Revenue beat(8)-3.24%
Revenue beat(12)2
Avg Revenue beat(12)0.28%
Revenue beat(16)5
Avg Revenue beat(16)2.2%
PT rev (1m)0.61%
PT rev (3m)3.53%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)2.73%
EPS NY rev (1m)0.15%
EPS NY rev (3m)9.98%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 11.09 | ||
| P/S | 2.02 | ||
| P/FCF | 8.89 | ||
| P/OCF | 8.89 | ||
| P/B | 1.65 | ||
| P/tB | 2.61 | ||
| EV/EBITDA | 10.14 |
EPS(TTM)23.33
EY7.76%
EPS(NY)27.12
Fwd EY9.02%
FCF(TTM)33.85
FCFY11.25%
OCF(TTM)33.85
OCFY11.25%
SpS148.68
BVpS182.58
TBVpS115.11
PEG (NY)1.45
PEG (5Y)0.74
Graham Number309.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 13.46% | ||
| ROCE | 4.91% | ||
| ROIC | 4.37% | ||
| ROICexc | 4.41% | ||
| ROICexgc | 6.15% | ||
| OM | 21.76% | ||
| PM (TTM) | 16.54% | ||
| GM | N/A | ||
| FCFM | 22.77% |
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)3.86%
ROIC(5y)3.49%
ROICexc(3y)3.9%
ROICexc(5y)3.53%
ROICexgc(3y)5.6%
ROICexgc(5y)5.06%
ROCE(3y)4.33%
ROCE(5y)3.92%
ROICexgc growth 3Y1.27%
ROICexgc growth 5Y7.11%
ROICexc growth 3Y2.52%
ROICexc growth 5Y7.66%
OM growth 3Y1.62%
OM growth 5Y5.71%
PM growth 3Y-7.27%
PM growth 5Y5.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.32 | ||
| Debt/EBITDA | 1.35 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 19.96 | ||
| Cash Conversion | 102.15% | ||
| Profit Quality | 137.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC4.8%
ROIC/WACC0.91
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)176.35%
Profit Quality(5y)187.36%
High Growth Momentum
Growth
EPS 1Y (TTM)5.8%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%30.94%
EPS Next Y8.88%
EPS Next 2Y9.71%
EPS Next 3Y9.53%
EPS Next 5Y2.81%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.35%
Revenue Next Year4.38%
Revenue Next 2Y4.88%
Revenue Next 3Y4.9%
Revenue Next 5YN/A
EBIT growth 1Y17.08%
EBIT growth 3Y12.71%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.98%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y9.98%
OCF growth 3Y13.22%
OCF growth 5Y20.6%
CHUBB LTD / CB FAQ
Can you provide the ChartMill fundamental rating for CHUBB LTD?
ChartMill assigns a fundamental rating of 5 / 10 to CB.
Can you provide the valuation status for CHUBB LTD?
ChartMill assigns a valuation rating of 5 / 10 to CHUBB LTD (CB). This can be considered as Fairly Valued.
Can you provide the profitability details for CHUBB LTD?
CHUBB LTD (CB) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for CB stock?
The Price/Earnings (PE) ratio for CHUBB LTD (CB) is 12.89 and the Price/Book (PB) ratio is 1.65.
Is the dividend of CHUBB LTD sustainable?
The dividend rating of CHUBB LTD (CB) is 5 / 10 and the dividend payout ratio is 15.38%.