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CHUBB LTD (CB) Stock Fundamental Analysis

USA - NYSE:CB - CH0044328745 - Common Stock

274.33 USD
-3.78 (-1.36%)
Last: 9/15/2025, 5:05:00 PM
275.03 USD
+0.7 (+0.26%)
After Hours: 9/15/2025, 5:05:00 PM
Fundamental Rating

5

CB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. CB has an average financial health and profitability rating. CB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

CB had positive earnings in the past year.
CB had a positive operating cash flow in the past year.
In the past 5 years CB has always been profitable.
CB had a positive operating cash flow in each of the past 5 years.
CB Yearly Net Income VS EBIT VS OCF VS FCFCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

1.2 Ratios

Looking at the Return On Assets, with a value of 3.52%, CB is in the better half of the industry, outperforming 71.23% of the companies in the same industry.
CB's Return On Equity of 13.25% is fine compared to the rest of the industry. CB outperforms 65.07% of its industry peers.
Industry RankSector Rank
ROA 3.52%
ROE 13.25%
ROIC N/A
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
CB Yearly ROA, ROE, ROICCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 16.08%, CB belongs to the top of the industry, outperforming 86.30% of the companies in the same industry.
CB's Profit Margin has improved in the last couple of years.
CB's Operating Margin of 20.19% is fine compared to the rest of the industry. CB outperforms 79.45% of its industry peers.
CB's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.19%
PM (TTM) 16.08%
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
CB Yearly Profit, Operating, Gross MarginsCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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5

2. Health

2.1 Basic Checks

CB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CB has been reduced compared to 1 year ago.
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.
CB Yearly Shares OutstandingCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
CB Yearly Total Debt VS Total AssetsCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

CB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC4.84%
CB Yearly LT Debt VS Equity VS FCFCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CB Yearly Current Assets VS Current LiabilitesCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.32% over the past year.
CB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.36% yearly.
CB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.79%.
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)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%

3.2 Future

Based on estimates for the next years, CB will show a small growth in Earnings Per Share. The EPS will grow by 2.81% on average per year.
The Revenue is expected to grow by 4.79% on average over the next years.
EPS Next Y-1.04%
EPS Next 2Y8.02%
EPS Next 3Y7.99%
EPS Next 5Y2.81%
Revenue Next Year4.13%
Revenue Next 2Y4.9%
Revenue Next 3Y4.79%
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.
CB Yearly Revenue VS EstimatesCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10B 20B 30B 40B 50B
CB Yearly EPS VS EstimatesCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.72 indicates a correct valuation of CB.
Compared to the rest of the industry, the Price/Earnings ratio of CB is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.27, CB is valued rather cheaply.
CB is valuated reasonably with a Price/Forward Earnings ratio of 10.43.
CB's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of CB to the average of the S&P500 Index (22.77), we can say CB is valued rather cheaply.
Industry RankSector Rank
PE 12.72
Fwd PE 10.43
CB Price Earnings VS Forward Price EarningsCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CB's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CB indicates a somewhat cheap valuation: CB is cheaper than 63.70% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.81
EV/EBITDA 9.15
CB Per share dataCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

The decent profitability rating of CB may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.73
EPS Next 2Y8.02%
EPS Next 3Y7.99%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.37%, CB has a reasonable but not impressive dividend return.
CB's Dividend Yield is comparable with the industry average which is at 3.43.
With a Dividend Yield of 1.37, CB pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.37%

5.2 History

The dividend of CB has a limited annual growth rate of 3.70%.
CB has paid a dividend for at least 10 years, which is 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
CB Yearly Dividends per shareCB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

15.97% 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.
DP15.97%
EPS Next 2Y8.02%
EPS Next 3Y7.99%
CB Yearly Income VS Free CF VS DividendCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
CB Dividend Payout.CB Dividend Payout, showing the Payout Ratio.CB Dividend Payout.PayoutRetained Earnings

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CHUBB LTD

NYSE:CB (9/15/2025, 5:05:00 PM)

After market: 275.03 +0.7 (+0.26%)

274.33

-3.78 (-1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners85.05%
Inst Owner Change-7.23%
Ins Owners0.59%
Ins Owner Change-6.04%
Market Cap109.37B
Analysts72.5
Price Target304.79 (11.1%)
Short Float %0.96%
Short Ratio1.84
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend3.56
Dividend Growth(5Y)3.7%
DP15.97%
Div Incr Years8
Div Non Decr Years8
Ex-Date09-12 2025-09-12 (0.97)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.07%
Min EPS beat(2)-0.21%
Max EPS beat(2)12.34%
EPS beat(4)3
Avg EPS beat(4)7.75%
Min EPS beat(4)-0.21%
Max EPS beat(4)12.34%
EPS beat(8)6
Avg EPS beat(8)5.59%
EPS beat(12)8
Avg EPS beat(12)5.02%
EPS beat(16)12
Avg EPS beat(16)6.91%
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-5.44%
Max Revenue beat(2)-4.32%
Revenue beat(4)0
Avg Revenue beat(4)-5.15%
Min Revenue beat(4)-5.86%
Max Revenue beat(4)-4.32%
Revenue beat(8)0
Avg Revenue beat(8)-3.24%
Revenue beat(12)3
Avg Revenue beat(12)1.13%
Revenue beat(16)6
Avg Revenue beat(16)3.28%
PT rev (1m)0.25%
PT rev (3m)-2.41%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)-0.6%
EPS NY rev (1m)1.18%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-0.93%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.72%
Valuation
Industry RankSector Rank
PE 12.72
Fwd PE 10.43
P/S 1.91
P/FCF 7.81
P/OCF 7.81
P/B 1.58
P/tB 2.55
EV/EBITDA 9.15
EPS(TTM)21.56
EY7.86%
EPS(NY)26.29
Fwd EY9.58%
FCF(TTM)35.12
FCFY12.8%
OCF(TTM)35.12
OCFY12.8%
SpS143.5
BVpS174.06
TBVpS107.4
PEG (NY)N/A
PEG (5Y)0.73
Profitability
Industry RankSector Rank
ROA 3.52%
ROE 13.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 20.19%
PM (TTM) 16.08%
GM N/A
FCFM 24.47%
ROA(3y)3.44%
ROA(5y)3.28%
ROE(3y)13.35%
ROE(5y)12.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.33%
ROCE(5y)3.92%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 18.25
Cash Conversion 117.99%
Profit Quality 152.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.84%
ROIC/WACCN/A
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)1.32%
EPS 3Y21.41%
EPS 5Y17.36%
EPS Q2Q%14.13%
EPS Next Y-1.04%
EPS Next 2Y8.02%
EPS Next 3Y7.99%
EPS Next 5Y2.81%
Revenue 1Y (TTM)6.79%
Revenue growth 3Y10.91%
Revenue growth 5Y10.24%
Sales Q2Q%5.21%
Revenue Next Year4.13%
Revenue Next 2Y4.9%
Revenue Next 3Y4.79%
Revenue Next 5YN/A
EBIT growth 1Y10.03%
EBIT growth 3Y12.71%
EBIT growth 5Y16.53%
EBIT Next Year11.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.87%
FCF growth 3Y13.22%
FCF growth 5Y20.6%
OCF growth 1Y28.87%
OCF growth 3Y13.22%
OCF growth 5Y20.6%